., Ni Made Ratna Sari Dewi, Dra.Ni Made Suci,M.Si ., and Ni Luh Wayan Sayang Telagawathi, S.E., M . 2018. “PENGARUH NON PERFORMING LOAN DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL SERTA LOAN TO DEPOSIT RATIO TERHADAP PROFITABILITAS PADA LEMBAGA PERKREDITAN DESA KECAMATAN NEGARA ”. Jurnal Manajemen Indonesia 5 (2). https://ejournal.undiksha.ac.id./index.php/JMI/article/view/13540.