QOLLIFAH, Transylvania Umi; TRISILO, Rudi Bambang. The Effect of NPL and LDR on ROA through BOPO as an Intervening Variable in Digital Banks in Indonesia Period 2020-2024. Siber Nusantara of Economic and Finance Review, [S. l.], v. 2, n. 2, p. 785–792, 2026. DOI: 10.38035/snefr.v2i2.1149. Disponível em: https://research.e-siber.org/SNEFR/article/view/1149. Acesso em: 22 sep. 2026.