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Rizky Witanty and Agus Sukoco 2025. The Effect of Capital Adequacy Ratio (CAR), Operating Income Operating Costs (BOPO), and Non-Performing Financing (NPF) on Return On Asset (ROA) at Indonesia-Malaysia Sharia Commercial Banks in 2019-2023. Finance : International Journal of Management Finance. 2, 4 (May 2025), 28–39. DOI:https://doi.org/10.62017/finance.v2i4.74.