Halim, S. and Buana, M.T.L. 2021. The Influence of Non-Performed Financing (NPF), Operational Costs, Financing to Deposit Ratio (FDR) and Net Operating Margin to Return on Assets at Indonesian Sharia Commercial Banks. Falah: Jurnal Ekonomi Syariah. 6, 2 (Aug. 2021), 44–59. DOI:https://doi.org/10.22219/jes.v6i1.16179.