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NOVIA HERLINAYANTI, 17401163283 (2020) PENGARUH CAPITAL ADEQUACY RATIO, FINANCING TO DEPOSIT RATIO, NON PERFORMING FINANCE, DANA PIHAK KETIGA, DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET PERBANKAN SYARIAH DI INDONESIA. [ Skripsi ]