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. (2026). HORIZON: Indonesian Journal of Multidisciplinary, 4(4), 5576-5592. https://doi.org/10.54373/hijm.v4i4.7356