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MUHAMMAD RIZAL FATONI, 12401173191 (2021) ANALISIS PENGARUH CAPITAL ADEQUACY RATIO, NET OPERATING MARGIN, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, DAN FINANCING TO DEPOSIT RATIO TERHADAP RETURN ON ASSETS (ROA) DI BANK SYARIAH MANDIRI INDONESIA PERIODE 2015-2019. [ Skripsi ]