Rizky Witanty, & 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), 28-39. https://doi.org/10.62017/finance.v2i4.74