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Pratama, Tobit Melian (2020) Pengaruh Non Performing Financing (NPF), Biaya Operasional Pendapatan Operasional (BOPO), Financial To Deposit Ratio (FDR) Terhadap Net Operating Margin (NOM) Pada Bank Umum Syariah Periode 2015-2019. S-1 thesis, 021008 Tridinanti Palembang.