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PRAYOGI, AGIT ENDAR (2013) PENGARUH LIKUIDITAS, KUALITAS AKTIVA, SENSITIVITAS, EFISIENSI, PROFITABILITAS TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA. Undergraduate thesis, STIE Perbanas Surabaya.