EFFECT OF CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL) AND OPERATIONS EXPENSES TO OPERATIONS INCOME (BOPO) ON RETURN ON ASSETS (ROA) AT THE LISTED BANKING COMPANY IN INDONESIA STOCK EXCHANGE (BEI) BRANCH BATAM - Ilmiah Manajemen UPB, Jurnal (Universitas Putera Batam, 2017)