ERA DIGITAL SEBAGAI MOMENTUM EFISIENSI: PENGARUH NON PERFORMING LOANS (NPL) DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK. Jurnal Manajemen Pendidikan, [S. l.], v. 11, n. 4, p. 8570–8587, 2026. DOI: 10.34125/jmp.v11i4.3358. Disponível em: https://ejurnal.stkip-pessel.ac.id/index.php/jmp/article/view/3358. Acesso em: 18 sep. 2026.