ANALISIS PENGARUH LOAN TO DEPOSIT RATIO (LDR) DAN SUKU BUNGA KREDIT TERHADAP SPREAD BASED INCOMEPADA PT BANK RAKYAT INDONESIA (PERSERO) TBK. jurnal-ulet. 2018;2(1). Accessed December 3, 2025. http://ejournal.stiejb.ac.id/index.php/jurnal-ulet/article/view/4