“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), pp. 14808–14813. Available at: https://jicnusantara.com/index.php/jiic/article/view/4648 (Accessed: 25 May 2026).