Zaliha, M., Indriyani, E., Bakhtiar, F. and Raprayogha, R. 2026. Pengaruh Mudharabah Financing Ratio, Musyarakah Financing Ratio, dan Financing to Deposit Ratio terhadap Profitabilitas Bank Umum Syariah di Indonesia. Surplus: Jurnal Ekonomi dan Bisnis. 4, 2 (Jun. 2026), 1709–1718. DOI:https://doi.org/10.71456/sur.v4i2.1932.