Bagiana, I. K., Ramantha, I. W., Putu Widanaputra, A. A. G., & Wirajaya, G. A. (2019). Determinants of Regional Development Banks’ Net Interest Margin in Indonesia with NPL as Intervening Variable. International Journal of Sciences: Basic and Applied Research (IJSBAR), 45(2), 8-20. https://gssrr.org/JournalOfBasicAndApplied/article/view/9937