Siti Nurlaelah and Minto Yuwono, “Pengaruh Loan To Deposit Ratio (LDR) Terhadap Non Performing Loan (NPL) Pada Perumda BPR Garut”, MERDEKA : Jurnal Ilmiah Multidisiplin, vol. 2, no. 3, pp. 464–475, Feb. 2025, doi: 10.62017/merdeka.v2i3.4001.