Abdullah, J., Hasan, W. ., & Dusa, S. Y. . (2021). Analysis of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Net Interest Margin (NIM) in Predicting Financial Distress in Financial Reports of PT. Bank Rakyat Indonesia (Persero) Tbk. Journal of Economics, Finance and Accounting Studies , 3(2), 81-90. https://doi.org/10.32996/jefas.2021.3.2.9