Ananta, D., Rahmadana, M.F. and Fitrawaty, F. 2026. The Effects of Loan-to-Value (LTV), Minimum Reserve Requirement (MRR), and Capital Adequacy Ratio (Car) on the Performance of State-Owned Banks. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE). 9, 1 (Feb. 2026), 3000-3010. DOI:https://doi.org/10.31538/iijse.v9i1.9135.