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MIA CHRISNA WATI, 17401163237 (2020) PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO, DAN NET OPERATING MARGIN TERHADAP PROFITABILITAS (RETURN ON ASSET) PADA PT. BANK MUAMALAT INDONESIA, Tbk. [ Skripsi ]