PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL) DAN NNET INTEREST MARGIN (NIM) TERHADAP RETURN ON ASSET (ROA) (STUDI PADA BANK UMUM DENGAN METODE KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2016)
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