Kharimah, W.N. and Yuliati, Y. 2026. Moderating Role of Dividend Policy on the Nexus Between AIL, NPL, and Stock Returns in the Indonesian Financial Sector. Journal of Enterprise and Development (JED). 8, 1 (Jan. 2026), 84–97. DOI:https://doi.org/10.20414/jed.v8i1.14520.