ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO), DAN DANA PIHAK KETIGA (DPK) TERHADAP LOAN TO DEPOSIT RATIO (LDR) (STUDI KASUS PADA BANK BUMN PERSERO DI INDONESIA PERIODE (Jurnal Manajemen Update, 2017)