N. . Maulana Rachman, R. Trihantana, and R. . kusumaningrum, “PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSET (ROA) (Studi di PT. Bank Syariah Mandiri Periode 2012-2019)”, SAHID BANKING JOURNAL, vol. 1, no. 01, pp. 185–199, Jan. 2022.