“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): 14808-13. https://jicnusantara.com/index.php/jiic/article/view/4648.