Muhammad, A., Salmah Harun and Muhammad Amin 2024. HOUSING LOANS AND PEOPLE’S BUSINESS LOANS AS DETERMINANTS OF RETURN ON ASSETS: AN EMPIRICAL STUDY ON PT BANK NEGARA INDONESIA (PERSERO) TBK MATOANGIN BRANCH OFFICE . JPIM (Jurnal Penelitian Ilmu Manajemen). 9, 2 (Jun. 2024), 247–263.