“Determinants Of ROA In Sharia Banks: The Role Of NPF, FDR, And Net Imbalance On Profitability”. J-EBIS (Jurnal Ekonomi dan Bisnis Islam) 9, no. 2 (November 13, 2024): 197–216. Accessed May 12, 2026. https://journal.iainlangsa.ac.id/index.php/ebis/article/view/9505.