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Arfah, Nur Faizah (2016) Analisis Pengaruh Capital Adequacy Ratio (CAR), Operating Efficiency (BOPO), Non Performing Financing (NPF) Dan Financing To Deposit Ratio (FDR) Terhadap Return On Asset (ROA) Bank Umum Syariah ( Pada Bank Umum Syariah Di Indonesia Tahun 2010-2015). S1 thesis, STIE Indonesia Banking School.