The Effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Non-Performing Loan (NPL) Against Return on Asset (ROA) With Net Interest Margin (NIM) as an Intervening Variable in BUMN Bank Listed on the Indonesia Stock Exchange 2018-2022 Journal title: Journal of Economics, Finance and Management Studies Authors: Gusti Maya Firanti Noor , Euphrasia Susy Suhendra, Subject(s): Economics, Banks and Banking, Marketing, Accounting, Management, Business, Finance