Effendy, B. and Neliana, T. 2026. Determinasi Return on Assets Perbankan: Pengaruh Loan to Deposit Ratio, Capital Adequancy Ratio dan Non- Performing Loan dengan Moderasi Ukuran Bank Pada Perusahaan yang Terdaftar di BEI. Journal of Accounting and Finance Management. 7, 2 (May 2026), 419–430. DOI:https://doi.org/10.38035/jafm.v7i2.3269.