Supriyanto, Dodi. “Analysis of Non Performing Financing (NPF) and Operational Efficiency Ratio (BOPO) on Return on Asset (ROA)”. Banking & Management Review 8, no. 2 (November 30, 2019): 1123–1136. Accessed December 8, 2025. https://ojs.ekuitas.ac.id/index.php/bmr/article/view/176.