PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ON ASSET (ROA) PADA BANK CIMB NIAGA TBK PERIODE 2014-2023. Jurnal Intelek Insan Cendikia, [S. l.], v. 2, n. 8, p. 14808–14813, 2025. Disponível em: https://jicnusantara.com/index.php/jiic/article/view/4648. Acesso em: 23 aug. 2026.