Isa Ary Yatma Abdullah, NIM.: 20108020050 (2024) ANALISIS PENGARUH NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.