Maulana Rachman, N. ., R. Trihantana, and R. . kusumaningrum. “PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSET (ROA) (Studi Pada Di Bank Syariah Mandiri Periode 2012-2019)”. 2021. SAHID BANKING JOURNAL, vol. 1, no. 01, Jan. 2023, pp. 185-99, doi:10.56406/sahidbankingjournal.v1i01.27.