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. Jurnal Sinergi Manajemen, [S. l.], v. 2, n. 1, p. 13–24, 2025. DOI: 10.70285/g8c6z533. Disponível em: https://bmabersama.or.id/index.php/jsm/article/view/532. Acesso em: 25 may. 2026.