Zaliha, M., Indriyani, E., Bakhtiar, F., & 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), 1709–1718. https://doi.org/10.71456/sur.v4i2.1932