Heni Susanti, Nafisah Nurulrahmatia and Alwi 2026. The Effect of Net Interest Margin (NIM) and Capital Adequacy Ratio (CAR) on the Loan to Deposit Ratio (LDR) of State-Owned Banks Listed on the Indonesia Stock Exchange (IDX) . International Journal of Economics, Business and Innovation Research. 5, 04 (Jun. 2026), 1041-1055. DOI:https://doi.org/10.63922/ijebir.v5i04.4349.