Nurfauziah, Erlyta Roshiatul, Ikmal Mumtahaen, and M. Kaharudin Yasin. “Pengaruh Non-Performing Financing (NPF) Dan Beban Operasional Pendapatan Operasional (BOPO) Terhadap Return on Asset (ROA)”. RIGGS: Journal of Artificial Intelligence and Digital Business 4, no. 2 (July 20, 2025): 6568–6579. Accessed February 1, 2026. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/1614.