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FADELY, ACHMAD BAIHAQQI (2015) PENGARUH LIKUIDITAS, KUALITAS AKTIVA, SENSITIVITAS, EFISIENSI, DAN SOLVABILITAS TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SWASTA NASIONAL DEVISA. Undergraduate thesis, STIE PERBANAS SURABAYA.