Muhammad A, Salmah Harun, Muhammad Amin. 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 . Jurnal Penelitian Ilmu Manajemen [Internet]. 30 Juni 2024 [dikutip 24 Juni 2026];9(2):247-63. Tersedia pada: https://jurnalekonomi.unisla.ac.id/index.php/jpim/article/view/2182