Dzatilah, R., Kusumaningrum, R. ., & Anwar, M. (2025). THE EFFECT OF OPERATING EXPENSES TO OPERATING INCOME (BOPO) ON RETURN ON ASSETS (ROA) AT KSPPS BAYTUL IKHTIAR. SAHID BANKING JOURNAL, 4(2), 10–23. https://doi.org/10.56406/sahidbankingjournal.v4i2.251