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THE INFLUENCE OF CAPITAL ADEQUACY RATIO (CAR), NON-PERFORMING LOAN (NPL), OPERATING INCOME TO OPERATING EXPENSES, LOAN DEPOSIT RATIO (LDR), AND NET INTEREST MARGIN (NIM) TO RETURN ON ASSET (ROA) AS BANK’S PERFORMANCE (STUDY CASE: PT BANK MUTIARA TBK YEAR 2006-2013)

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