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WAHYUNI, FATMA NUR (2018) PENGARUH CAPITAL ADEQUACY RATIO, NET INTEREST MARGIN, LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN, DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET YANG TERDAFTAR DI OTORITAS JASA KEUANGAN (Studi Pada Bank Devisa Periode 2014-2016). undergraduate thesis, Universitas Muhammadiyah Gresik.