Setiawan, B., A. R. . Alamsyah, and M. Murtianingsih. “Analysis Of The Effect Of NPL, Der And Asset Growth On Banking Profitability Before &Amp; During Covid-19 Listed On Idx”. Jurnal Indonesia Sosial Teknologi, vol. 4, no. 9, Sept. 2023, pp. 1517-30, doi:10.59141/jist.v4i9.730.