M. Jannah and P. Gunarso, “Pengaruh Non Performing Financing (NPF) dan Beban Operasional Pendapatan Operasional (BOPO) terhadap Financing Deposit Ratio (FDR) di Bank Syariah Indonesia”, J. Ilmiah Bisnis dan Perpaj.., vol. 2, no. 1, pp. 1–17, May 2022.