Permana A, Kalsum U, Utami D. 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. JAMB. 2026;7(1):66-82. doi:10.36257/jamb.v7i1.12634