Purnamasari, A. , Oktavia, D., Sumaryo and Sari, P.A. 2026. Effectiveness Of Capital Adequacy Ratio And Problem Loans In Affecting Stock Return: A Roa Moderation Perspective In National Private Commercial Banks. JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi. 3, 4 (Apr. 2026), 436–449. DOI:https://doi.org/10.62421/jibema.v3i4.220.