“PENGARUH PEMBIAYAAN BERMASALAH DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BTPN SYARIAH PERIODE 2015-2020”, al-iqtishad, vol. 4, no. 01, pp. 16–33, Dec. 2022, Accessed: May 15, 2026. [Online]. Available: https://e-journal.uqi.ac.id/index.php/aliqtishad/article/view/173