Muhammad Fachreza and Iriana Kusuma Dewi, “PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ON ASSET (ROA) PADA BANK CIMB NIAGA TBK PERIODE 2014-2023”, JIIC, vol. 2, no. 8, pp. 14808–14813, Aug. 2025, Accessed: Oct. 07, 2026. [Online]. Available: https://jicnusantara.com/index.php/jiic/article/view/4648