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Kurniawan, Dio (2021) PENGARUH NON PERFORMING FINANCING, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, FINANCIAL TO DEPOSIT RATIO TERHADAP NET OPERATING MARGIN PADA BANK UMUM SYARIAH PERIODE 2016 – 2020. S-1 thesis, 021008 Universitas Tridinanti Palembang.