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 December 7, 2025. https://wsj.westsciences.com/index.php/wsaf/article/view/2068.