Anita LN, Priyanto AA. Pengaruh Capital Adequacy Ratio, Biaya Operasional Pendapatan Operasional, dan Non Performing Loan terhadap Return On Assets Pada Perusahaan Himpunan Bank Milik Negara Periode 2015-2024. j. Ekonomi Efektif [Internet]. 2025 Aug. 28 [cited 2025 Dec. 22];7(4):455-63. Available from: https://openjournal.unpam.ac.id/index.php/JEE/article/view/52904