PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL), DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (ROA) PADA BANK PERKREDITAN RAKYAT DI KOTA SEMARANG (Students' Journal of Accounting and Banking, 2013)