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VINTAN YULIANA MUFTAFIDDAH, 17401163306 (2021) ANALISIS PENGARUH CAPITAL ADEQUACY RATIO, NON PERFOMING FINANCING, FINANCING TO DEPOSIT RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, NET OPERATING MARGIN DAN DANA PIHAK KETIGA TERHADAP RETURN ON ASSET PADA BANK UMUM SYARIAH DI INDONESIA. [ Skripsi ]