ANALISIS PENGARUH LOAN TO DEPOSIT RATIO (LDR) DAN SUKU BUNGA KREDIT TERHADAP SPREAD BASED INCOMEPADA PT BANK RAKYAT INDONESIA (PERSERO) TBK. JURNAL ULET (Utility, Earning and Tax), [S. l.], v. 2, n. 1, 2018. Disponível em: http://ejournal.stiejb.ac.id/index.php/jurnal-ulet/article/view/4. Acesso em: 3 dec. 2025.