Pengaruh Loan To Deposits Ratio (LDR), Non Performing Loan (NPL), Fee Based Income Ratio (FBIR), Dan Belanja Operasional Terhadap Pendapatan Operasional (BOPO) Terhadap Profitabilitas Perusahaan Perbankan. MSEJ. 2026;7(4):903-911. doi:10.37385/msej.v7i4.10832