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Rahmawati, Y., Pratiwi, A. and Huda, N. 2026. Analysis of the Effect of Third-Party Funds and the Operating Expenses to Operating Income Ratio on Return on Assets (ROA) of PT Bank Rakyat Indonesia (Persero) Tbk . International Journal of Economics, Business and Innovation Research. 5, 05 (Aug. 2026), 1260-1275. DOI:https://doi.org/10.63922/ijebir.v5i05.6049.