Achmad, Achmad. “EFEK CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, DAN OPERATIONAL EFFECIENCY RATIO ATAS RETURN ON ASSET PADA BANK UMUM SYARIAH MILIK NEGARA”. At-Taradhi: Jurnal Studi Ekonomi 9, no. 2 (February 13, 2019): 119–126. Accessed June 8, 2026. http://jurnal.uin-antasari.ac.id/index.php/taradhi/article/view/2514.