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Panggabean, Lenny and M Allo, Yusuf Rombe and Zen, Thomas and Yusuf, Otniel Edwina Priscilla (2024) Financial services institution literacy online loans in the community village Cawang East Jakarta. International Journal of Commerce and Management Research, 10 (1). pp. 68-74. ISSN 2455-1627
Zen, Thomas (2025) PENGARUH CAPITAL ADEQUACY RATIO, DEBT TO EQUITY RATIO, LOAN TO DEPOSIT RATIO, DAN NON-PERFORMING LOAN TERHADAP RETURN ON ASSET PADA BANK KBMI-4. S1 thesis, Universitas Kristen Indonesia.