Balele, Bintang, and A. Syahida Ulhaq Pasryb. 2025. “Financial Health Analysis of Sharia National Pension Savings Bank (Bank BTPN Sharia) in Terms of Capital Factor (CAR), Financing (FDR), Profitability (ROA, ROE, NPM & BOPO) and Financing Risk (NPF)”. RIGGS: Journal of Artificial Intelligence and Digital Business 4 (1):912-17. https://doi.org/10.31004/riggs.v4i1.1442.