Pengaruh Biaya Operasional Pendapatan Operasional Dan Loan To Deposit Ratio Terhadap Return On Assets Pada Pt Bank Rakyat Indonesia (Persero) Tbk Periode 2013-2023. Jurnal Intelek Insan Cendikia, [S. l.], v. 2, n. 4, p. 6849–6859, 2025. Disponível em: https://jicnusantara.com/index.php/jiic/article/view/3112. Acesso em: 1 jul. 2026.