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Istiqomah Lailatul Mukarromah, - (2021) Pengaruh Non Performing Financing, Capital Adequacy Ratio dan Financing to Deposit Ratio Terhadap Return On Assets pada PT Bank BNI Syariah Periode 2012- 2019. Undergraduate thesis, Fakultas Ekonomi dan Bisnis Islam Jurusan Ekonomi Islam Program Studi Perbankan Syariah.