Diki Abramsa Putra Ginting, & Krisna Marpaung, F. (2025). THE INFLUENCE OF NIM AND NPL ON ROA AT NATIONAL PRIVATE BANKS IN INDONESIA FOR THE PERIOD 2021-2023. International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC), 3(4), 1128–1136. https://doi.org/10.61990/ijamesc.v3i4.538