Permana, A. et al. 2026. Dinamika Profitabilitas Bank Umum Syariah: Peran Non Performing Financing, Struktur Modal, dan Pertumbuhan Pembiayaan: Profitability Dynamics of Islamic Commercial Banks: The Role of Non-Performing Financing, Capital Structure, and Financing Growth. Jurnal Aplikasi Manajemen dan Bisnis. 7, 1 (Nov. 2026), 66–82. DOI:https://doi.org/10.36257/jamb.v7i1.12634.