PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSET (ROA) PADA PT BANK MUAMALAT INDONESIA TBK PERIODE 2013-2023. j.sinerg.manaj. 2025, 2 (1), 13-24. https://doi.org/10.70285/g8c6z533.