PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSET (ROA) PADA PT BANK MUAMALAT INDONESIA TBK PERIODE 2013-2023. j.sinerg.manaj. [Internet]. 2025 Feb. 16 [cited 2026 Apr. 16];2(1):13-24. Available from: https://mail.bmabersama.or.id/index.php/jsm/article/view/532