Diah Ayu Dwi Nurmavita, et al. “Pengaruh Biaya Operasional Terhadap Pendapatan Operasional (BOPO) Dan Net Interest Margin (NIM) Terhadap Return On Asset (ROA)”. Jejak Digital: Jurnal Ilmiah Multidisiplin, vol. 2, no. 1, Dec. 2025, pp. 1179-80, https://doi.org/10.63822/1tt81a06.