CHANDRA, K.; ANGELINA , A. .; PAKPAHAN, A. K. .; NILAWATI, Y. J. . ROA Banking Profitability in the Digital Era: Analysis of Financial Performance and Macroeconomic Factors in Indonesia. Annals of Management and Organization Research, [S. l.], v. 7, n. 4, p. 507–520, 2026. DOI: 10.35912/amor.v7i4.3889. Disponível em: https://goodwoodpub.com/index.php/amor/article/view/3889. Acesso em: 6 may. 2026.