ADHA, S. I.; REVIANDANI , W. ANALISIS PENGARUH NON PERFORMING LOAN (NPL), BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO), DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM KONVENSIONAL DI INDONESIA TAHUN 2018 - 2022. Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi, [S. l.], v. 2, n. 3, p. 333–344, 2024. DOI: 10.572349/neraca.v2i3.1185. Disponível em: https://jurnal.kolibi.org/index.php/neraca/article/view/1185. Acesso em: 7 oct. 2025.