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DESI HIDAYATI, 12401183101 (2022) PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO, RETURN ON ASSETS, KUALITAS AKTIVA PRODUKTIF DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP NET OPERATING MARGIN PADA BANK MUAMALAT INDONESIA. [ Skripsi ]