“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] 1, no. 2 (January 30, 2023): 160–170. Accessed June 28, 2026. https://journal.lap4bangsa.org/index.php/jumandik/article/view/16.