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, [S. l.], v. 4, n. 4, p. 5576–5592, 2026. DOI: 10.54373/hijm.v4i4.7356. Disponível em: https://ejournal.indo-intellectual.id/index.php/hijm/article/view/7356. Acesso em: 1 sep. 2026.