Hurriyah, W., & Riswandi, D. (2026). Pengaruh Non Performing Financing (NPF), Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Profitabilitas Bank Umum Syariah Periode 2022-2025. Jurnal Akuntansi Neraca, 4(2), 85–97. https://doi.org/10.59837/jan.v4i2.1005