THE EFFECT OF CAPITAL ADEQUACY AND OPERATIONAL EFFICIENCY ON COMMUNITY WELFARE THROUGH PROFITABILITY (ROA) AS AN INTERVENING VARIABLE AT PT BANK NTT. icsema [Internet]. 2025 Aug. 13 [cited 2026 Aug. 26];1(1):3655-8. Available from: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/323