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Hawara, Millanum Yefis (2022) “PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP NON PERFORMING FINANCING (NPF)” (Studi Kasus pada Bank Umum Syariah di Indonesia Periode 2016-2020). D3 thesis, Universitas Andalas.