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 [Internet]. 2026 Jun. 27 [cited 2026 Oct. 23];25(7). Available from: https://journal.cib.institute/index.php/musytari/article/view/405