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NOVIA NADATUL SHIMA, 12401173384 (2021) PENGARUH NON PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR), DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PADA PT. BANK BNI SYARIAH DI INDONESIA PERIODE 2012-2019. [ Skripsi ]