A. . and B. Rahardjo, “Pengaruh Biaya Operasional Berbanding Pendapatan Operasional (BOPO), Non Performing Loan (NPL), Loan To Deposit Ratio (LDR) Terhadap Kinerja Usaha (ROA)”, JIMKES, vol. 5, no. 2, pp. Page 098 – 108, Mar. 2020.