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Suwarto and Karnila Ali, “Pengaruh Pembiayaan Jual Beli, Pembiayaan Bagi Hasil, Financing Deposit Ratio (FDR) daan Nonperforming Financial (NPF) Terhadap Profitabilitas Bank Umum Syariah di Indonesia”, jist, vol. 2, no. 03, pp. 455–465, Mar. 2021.