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PENGARUH LOAN TO DEPOSIT RATIO (LDR), CAPITAL ADEQUACY RATIO (CAR), NET INTEREST MARGIN (NIM) dan BIAYA OPERASIONAL DIBANDING PENDAPATAN OPERASIONAL(BOPO) TERHADAP RETURN ON ASSET (ROA) (Studi Bank Umum Konvensional tahun 2013 - 2019)
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