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CLOUDYA, WINY (2015) PENGARUH LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) DENGAN NON PERFORMING LOAN (NPL) SEBAGAI VARIABEL MODERATING PADA BANK UMUM DI BEI PERIODE 2009 – 2013. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.