“ Pengaruh Capital Adequacy Ratio, Beban Operasional Pendapatan Operasional, Dan Loan To Deposit Ratio Terhadap Return On Assets Di Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2021-2023” (2025) Management Studies and Entrepreneurship Journal (MSEJ), 6(4), pp. 5940–5956. doi:10.37385/msej.v6i4.8226.