Kimsen, Kimsen, Irwan Irawadi Barus, Djauhar Edi Purnomo, Rina Malahayati, and Eko Sudarmanto, trans. “The Effect of Return on Equity, Dividend Payout Ratio, and Debt to Asset Ratio on Retail Investor Investment Decisions”. West Science Accounting and Finance 3, no. 02 (July 31, 2025): 275–285. Accessed March 17, 2026. https://wsj.westsciences.com/index.php/wsaf/article/view/2068.