“Pengaruh ROA, FDR, dan NPF Terhadap Tingkat Financial Distress pada Bank BTPN Syariah Periode 2015–2024”, JICN, vol. 3, no. 5, pp. 12181–12190, Nov. 2026, Accessed: Nov. 14, 2026. [Online]. Available: https://jicnusantara.com/index.php/jicn/article/view/8467