Rafli, M. (2026) “Analysis of Profitability Ratios at PT Bank Mandiri (Persero) Tbk for The 2020–2025 Period Using A Quantitative Descriptive Approach”, Journal Research of Social Science, Economics, and Management, 5(11), pp. 12709–12718. doi: 10.59141/jrssem.v5i11.1517.