FADIYA HAYYAH, A. P. F.; HANDAYANI, A. Pengaruh Beban Operasional Pendapatan Operasional, Financing To Deposit Ratio, dan Non Performing Finance Terhadap Return On Asset pada Perusahaan Sektor Bank Umum Syari’ah di Indonesia Tahun 2018 – 2024. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, [S. l.], v. 7, n. 12, p. 4479–4490, 2025. DOI: 10.47467/alkharaj.v7i12.10661. Disponível em: https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/10661. Acesso em: 25 may. 2026.