Hestiani D, Hasanuh N. Comparison of Return on Assets Ratio and Non-Performing Loans Between Conventional Banks and Sharia Banks (Study at PT. Bank BTPN Tbk and PT. Bank BTPN Syariah Tbk). jiwp [Internet]. 30Dec.2023 [cited 5May2026];9(23):210-8. Available from: https://jurnal.peneliti.net/index.php/JIWP/article/view/5668