ANALISIS PENGARUH LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL), DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM MILIK NEGARA - Putra, Panca Satria (Universitas PGRI Palembang, 2019)