Permana, Arradytia, Ummi Kalsum, and Dinarossi Utami. 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): 66-82. https://doi.org/10.36257/jamb.v7i1.12634.