MIRANDA, M. . Effect of Credit Risk, Liquidity Risk, and Interest Rate Risk on Return on Assets (ROA). Journal of Economicate Studies, [S. l.], v. 4, n. 1, p. 17–30, 2020. DOI: 10.32506/joes.v4i1.655. Disponível em: https://journal.islamicateinstitute.co.id/index.php/joes/article/view/655. Acesso em: 29 apr. 2026.