Qollifah, T. U. and Trisilo, R. B. (2026) “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, 2(2), pp. 785–792. doi: 10.38035/snefr.v2i2.1149.