2026. Pengaruh Non-Performing Financing (NPF), Financing To-Deposit Ratio (FDR), dan Operating Expense Ratio (Oer), Terhadap Return on Assets (ROA) Pada Bank Umum Syariah di Indonesia Periode 2021-2025. HORIZON: Indonesian Journal of Multidisciplinary. 4, 4 (Aug. 2026), 5576–5592. DOI:https://doi.org/10.54373/hijm.v4i4.7356.