Suharnanto, uja Dhiyaa’ Mutiara, and Agung Nusantara. “ and Non-Performing Financing on The Profitability of Bank Syariah Indonesia”. Economics and Business International Conference Proceeding 1, no. 2 (December 2, 2024): 1208–1218. Accessed September 27, 2025. https://jurnalnew.unimus.ac.id/index.php/EBiC/article/view/532.