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            <text>Analysis of the Effect of Loan to Deposit Ratio, Return on Asset and Debt to Equity Ratio on Stock Returns (Case Study on Financial Technology Companies Listed on the Indonesian Stock Exchange 2018-2023)</text>
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            <text>The purpose of this study is determine the effect of loan-to-deposit, return-on-asset, and debt-to-equity ratios on stock returns.  This study uses a purposive sampling method to select observation data of seven companies' from 2018 to 2023 and then applies multiple linear regression analysis techniques to The population of interest is financial technology companies listed on the Indonesian stock exchange. This research found that return on assets had a favorable influence on stock returns, whereas loan-to-deposit and debt-to-equity ratios had a negative effect</text>
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