ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM KONVENSIONAL (PERSERO) PERIODE 2013-2017 - LAKSONO, FIRMANDA TRY (2019)