ANALISIS SUKU BUNGA KREDIT, CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP NON PERFORMING LOAN (NPL) DI KALIMANTAN BARAT (Fakultas Ekonomi dan Bisnin Universitas Tanjungpura, 2014)