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