Sahar, F. “The Influence of Non Performing Financing (NPF) and Capital Adequacy Ratio (CAR) On Return On Assets (ROA) Study at PT. Bank Mandiri Syariah”. SINTESA, vol. 13, no. 2, Dec. 2022, pp. 150-4, https://ejournal.lppmunsap.org/index.php/sintesa/article/view/572.