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RISMA YUNITA SARI, 12401183265 (2022) ANALISIS KOMPARATIF NON PERFORMING FINANCING, FINANCE TO DEPOSIT RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, RETURN ON ASSETS PADA BANK BCA SYARIAH DAN BANK MUAMALAT DI INDONESIA PERIODE 2016-2021. [ Skripsi ]