“Pengaruh Biaya Operasional dan Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF) Terhadap Return On Asset (ROA) di Bank Umum Syariah Indonesia Tahun 2015 - 2019” (2021) JYRS: Journal of Youth Research and Studies, 2(1), pp. 21–41. Available at: https://rumahjurnal.iainsasbabel.ac.id/JS/article/view/2037 (Accessed: 14 November 2025).