Determinants Of ROA In Sharia Banks: The Role Of NPF, FDR, And Net Imbalance On Profitability. J-EBIS (Jurnal Ekonomi dan Bisnis Islam), [S. l.], v. 9, n. 2, p. 197–216, 2024. DOI: 10.32505/j-ebis.v9i2.9505. Disponível em: https://journal.iainlangsa.ac.id/index.php/ebis/article/view/9505. Acesso em: 12 may. 2026.