M. Ali, Mukhlis, Musrizal Musrizal, Mirza Murni, Hismendi Hismendi, and Muhammad Zarkani. “Analyzing the Causal Effect of Non-Performing Financing on ROA and ROE Profitability: New Evidence from PT Bank Syariah Indonesia Tbk”. JURNAL HURRIAH: Jurnal Evaluasi Pendidikan dan Penelitian 7, no. 3 (September 28, 2026): 557-565. Accessed October 28, 2026. https://academicareview.com/index.php/jh/article/view/491.