Juliana, S. and Hidayat, A. M. (2025) “DETERMINANTS OF RETURN ON EQUITY: A COMPARATIVE STUDY OF BANK MANDIRI, BNI, AND BTN USING A PANEL DATA MODEL APPROACH”, Journal of Posthumanism, 5(7), pp. 1129–1144. doi: 10.63332/joph.v5i7.2900.