Febianti, F., & Batubara, Z. K. (2026). Pengaruh Return on Investment, Debt to Asset Ratio, dan Interest Coverage Ratio terhadap Kinerja Keuangan pada Perusahaan Subsektor Keuangan di Indonesia Periode 2021-2024. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, 9(3), 939-947. https://doi.org/10.37481/sjr.v9i3.1504