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TONIKA, THOMAS DEVINO (2023) PENGARUH CAPITAL ADEQUACY RATIO (CAR), OPERATING EXPENSE TO OPERATING INCOME (BOPO), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL) TERHADAP RETURN ON ASSET (ROA) PADA SEKTOR KEUANGAN PERUSAHAAN PERBANKAN DI INDONESIA PERIODE 2019-2021. Other thesis, Universitas Katholik Soegijapranata Semarang.