Kusno, H.S., Simatupang, O.A., Hakim, T.I.R. and Ramli, R. 2022. Return on Assets and Covid-19: Do Capital Adequacy Ratio, Loan to Deposit Ratio and Operational Efficiency Ratio Matters?. Jurnal AKSI (Akuntansi dan Sistem Informasi). 7, 2 (Sep. 2022). DOI:https://doi.org/10.32486/aksi.v7i2.333.