RIZKY WITANTY; AGUS SUKOCO. 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, [S. l.], v. 2, n. 4, p. 28–39, 2025. DOI: 10.62017/finance.v2i4.74. Disponível em: https://ejournal.internasional.org/index.php/finance/article/view/74.. Acesso em: 22 oct. 2025.