PENGARUH CAPITAL ADEQUANCY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA - Warjito, Bambang (2018)