PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), NET INTEREST MARGIN (NIM), BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) SERTA LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA) - VMS, Dhara Yulita (Fakultas Ekonomika dan Bisnis, Universitas Stikubank, 2020)