Nurwulandari, Andini; Hasanudin, Hasanudin; Subiyanto, … - In: Cogent economics & finance 10 (2022) 1, pp. 1-19
Operating Efficiency Ratio (OER), Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Good Corporate Governance (GCG). The … results showed that NIM had a direct positive and significant effect on ROA, while OER had a negative and significant effect … on ROA, as hypothesized. Direct testing of GCG shows a negative and significant effect of NPL and OER, as well as a …