Determinasi Capital Adequacy Ratio dan Biaya Operational Pendapatan Operational Dampaknya Terhadap Return on Asset Pada PT Bank Negara Indonesia Tbk, Periode 2011-2021. Jurnal Manajemen & Pendidikan [JUMANDIK], [S. l.], v. 2, n. 1, p. 160–170, 2023. DOI: 10.58174/jmp.v1i2.16. Disponível em: https://journal.lap4bangsa.org/index.php/jumandik/article/view/16. Acesso em: 23 dec. 2025.