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 [Internet]. 2025 Aug. 13 [cited 2026 Aug. 23];2(8):14808-13. Available from: https://jicnusantara.com/index.php/jiic/article/view/4648