PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSETS (ROA) PADA BANK BUMN (HIMBARA) PERIODE 2022–2024. Musytari. 2026;25(7). doi:https://doi.org/10.2238/hxdbdt85