PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ON ASSET (ROA) PADA BANK CIMB NIAGA TBK PERIODE 2014-2023. JIIC. 2025;2(8):14808-14813. Accessed August 23, 2026. https://jicnusantara.com/index.php/jiic/article/view/4648