Adhim C, Mulyati M. The Influence Of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Loan To Deposit Ratio (LDR), And Operational Costs To Operating Income (BOPO) On Return On Asset (ROA) In Banks Listed On The Indonesia Stock Exchange. IJSTM [Internet]. 2024 Sep. 30 [cited 2026 Jan. 22];5(5):1067-75. Available from: https://ijstm.inarah.co.id/index.php/ijstm/article/view/1122