“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 2, no. 1 (February 16, 2025): 13–24. Accessed May 25, 2026. https://bmabersama.or.id/index.php/jsm/article/view/532.