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 : Jurnal Manajemen, Akuntansi, dan Ekonomi, [S. l.], v. 25, n. 7, 2026. DOI: https://doi.org/10.2238/hxdbdt85. Disponível em: https://journal.cib.institute/index.php/musytari/article/view/405. Acesso em: 23 oct. 2026.