Halim, S., and M. T. L. . Buana. “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, vol. 6, no. 2, Aug. 2021, pp. 44-59, doi:10.22219/jes.v6i1.16179.