Putri, A. R.; Lestari, T. Analisis Pengaruh Capital Adequacy Ratio, Biaya Operasional Dan Pendapatan Operasional Terhadap Return On Asset Perbankan Periode 2021- 2024 : Analysis of the Effect of Capital Adequacy Ratio, Operating Costs, and Operating Income on Return on Assets in Banking for the Period 2021-2024 . JMAEKA 2025, 1, 362-370.