ANALISIS PENGARUH BIAYA OPERASIONAL/PENDAPATAN OPERASIONAL, CAPITAL ADEQUACY RATIO, NON PERFORMING Analisis Pengaruh Biaya Operasional/Pendapatan Operasional, Capital Adequacy Ratio, Non Performing Loan, Dan Loan To Deposit Ratio Terhadap Return On Asset - Muliahadi Tumanggor, . (2015)