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. HIJM [Internet]. 2026 Aug. 28 [cited 2026 Sep. 1];4(4):5576-92. Available from: https://ejournal.indo-intellectual.id/index.php/hijm/article/view/7356