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Purwatiningsih, Wahyuni (2019) Analisis Pengaruh Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Return On Assets (ROA) Pada PT Bank Syariah Mandiri Periode 2007-2017. S2 thesis, STIE Indonesia Banking School.