“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 25, no. 7 (June 27, 2026). Accessed October 23, 2026. https://journal.cib.institute/index.php/musytari/article/view/405.