@unpublished{repository24119,
            year = {2012},
          school = {UHAMKA},
            note = {Unpublished},
           title = {ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI ROA BANK
PASCA MERGER DI INDONESIA},
             url = {http://repository.uhamka.ac.id/id/eprint/24119/},
          author = {Herwin, Kurniawan}
}