“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”. 2025. Jurnal Sinergi Manajemen 2 (1): 13-24. https://doi.org/10.70285/g8c6z533.