Sheva Devany, Nabila, Sulaeman Jajuli, dan Wazin Baihaqi. “Pengaruh Non-Performing Financing, Financing To Deposit Ratio, Biaya Operasional Terhadap Pendapatan Operasional, Dan Capital Adequacy Ratio Terhadap Return On Equity Pada PT Bank Panin Dubai Syariah Tahun 2014-2024”. Arus Jurnal Sosial dan Humaniora 5, no. 2 (Agustus 31, 2025): 3439–3451. Diakses April 22, 2026. https://www.jurnal.ardenjaya.com/index.php/ajsh/article/view/1671.