Juliana, Sherlin, and Agus Maolana Hidayat. “DETERMINANTS OF RETURN ON EQUITY: A COMPARATIVE STUDY OF BANK MANDIRI, BNI, AND BTN USING A PANEL DATA MODEL APPROACH”. Journal of Posthumanism 5, no. 7 (July 9, 2025): 1129–1144. Accessed March 19, 2026. https://posthumanism.co.uk/jp/article/view/2900.