Pengaruh ROA, FDR, dan NPF Terhadap Tingkat Financial Distress pada Bank BTPN Syariah Periode 2015–2024. Jurnal Intelek Dan Cendikiawan Nusantara, [S. l.], v. 3, n. 5, p. 12181–12190, 2026. Disponível em: https://jicnusantara.com/index.php/jicn/article/view/8467. Acesso em: 15 nov. 2026.