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Titien Sumartini, 090210483 L (2005) PENGARUH PERTUMBUHAN EXCESS CAPITAL, DANA PIHAK KETIGA, NON PERFORMING LOAN DAN LOAN TO ASSET RATIO TERHADAP PERTUMBUHAN KREDIT DAN DAMPAK PERTUMBUHAN KREDIT TERHADAP RETURN ON ASSET BANK. Thesis thesis, UNIVERSITAS AIRLANGGA.