Puji Lestari, S. .; Fitri Wahyuni, S. .; Seno Affandi, W. . THE INFLUENCE OF CAPITAL ADEQUACY RATIO, NET INTEREST MARGIN AND OPERATIONAL COSTS OF OPERATING REVENUE ON RETURN ON ASSET WITH LOAN TODEPOSIT RATIO AS INTERVENING VARIABLE. MORFAI 2022, 2, 189-208.