Sulam, R.T., Umam, M. and Miftahudin, A. 2025. Pengaruh Bopo Ratio, Non-Performing Financing (NPF), dan Debt-To-Equity Ratio (DER) Terhadap Return On Asset (ROA) PADA Bank Syariah Indonesia. RIGGS: Journal of Artificial Intelligence and Digital Business. 4, 2 (May 2025), 945–953. DOI:https://doi.org/10.31004/riggs.v4i2.600.