RizkyAkbar et al. 2024. The Influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), BI Rate and Inflation on Return on Assets (ROA) in BUMN Banking (BRI, Mandiri, BNI & BTN) Period 2014 –2019. Journal of Business Transformation and Strategy. 1, 1 (Feb. 2024), 14–27. DOI:https://doi.org/10.20527/7ys55g97.