FARODISA, Sabila; NUNTUPA; KARTIKAWATI, Yeni. ANALYSIS OF THE EFFECT OF NON-PERFORMING FINANCING (NPF) AND OPERATING EXPENSES TO OPERATING INCOME (BOPO) RATIO ON RETURN ON ASSETS (ROA) IN INDONESIAN ISLAMIC COMMERCIAL BANKS 2020-2024. Majapahit Journal of Islamic Finance and Management, [S. l.], v. 6, n. 2, p. 2820–2834, 2026. DOI: 10.31538/mjifm.v6i2.910. Disponível em: https://syariah.jurnalikhac.ac.id/index.php/majapahit/article/view/910. Acesso em: 18 jul. 2026.