Hafiz, G. A., & Virby , S. (2026). Pengaruh Financing to Deposit Ratio (FDR), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Non Performing Financing (NPF) terhadap Return on Assets (ROA) PT Bank BTPN Syariah Tbk Periode 2014 – 2024. RIGGS: Journal of Artificial Intelligence and Digital Business, 5(2), 26364–26376. https://doi.org/10.31004/riggs.v5i2.13370