Faktor Penentu Return on Asset pada Bank Umum Syariah: Capital Adequacy Ratio, Operating Expenses Operating Income dan Identitas Etika Islam. JIEF Journal of Islamic Economics and Finance, [S. l.], v. 5, n. 1, p. 22–34, 2025. DOI: 10.28918/jief.v5i1.10627. Disponível em: https://e-journal.uingusdur.ac.id/jief/article/view/10627. Acesso em: 19 aug. 2026.