ANALISIS PENGARUH CAPITAL ADQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), NON PERFOMING LOAN (NPL) DAN SIZE TERHADAP NET INTEREST MARGIN (NIM) ( Pada Bank Umum Yang Telah Go Publik di Bursa Efek Indonesia Periode 2012 - 2016 ) (Students' Journal of Accounting and Banking, 2018)