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Nurfiyanto, Muhammad (2015) Pengaruh non performing financing (npf), biaya operasional dan pendapatan operasional (bopo), dan capital adequacy ratio (car) terhadap return on asset (roa) di Bank Syariah Mandiri tahun 2011-2014. Undergraduate Thesis thesis, Sekolah Tinggi Agama Islam Negeri ( STAIN ) Pekalongan.