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PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP LOAN TO DEPOSIT RATIO (LDR) PADA BANK KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2015-2021
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