B. H. Damanik, E. . Pakpahan, and Yeni Ariesa, “The Effect Of Capital Adequacy Ratio, Loan Deposit Ratio, And Non-Performing Loan On Financial Performance With Credit Risk As An Intervening Variable In Banking Companies Listed On The Indonesia Stock Exchange In The 2021-2023 Period”, ISBN, vol. 1, no. 1, Feb. 2025.