Farodisa, Sabila, Nuntupa, and Yeni Kartikawati. 2026. “ANALYSIS OF THE EFFECT OF NON-PERFORMING FINANCING (NPF) AND OPERATING EXPENSES TO OPERATING INCOME (BOPO) RATIO ON RETURN ON ASSETS (ROA) IN INDONESIAN ISLAMIC COMMERCIAL BANKS 2020-2024”. Majapahit Journal of Islamic Finance and Management 6 (2):2820–2834. https://doi.org/10.31538/mjifm.v6i2.910.