2025. THE EFFECT OF FINANCING TO DEPOSIT RATIO (FDR), OPERATING EXPENSES TO OPERATING INCOME, AND THIRD-PARTY FUNDS ON THE MARKET SHARE OF SHARIA COMMERCIAL BANKS FOR THE PERIOD 2019-2024 . Prosiding dan Call Paper Widya Wiwaha. 4, 1 (Dec. 2025), 507–526. DOI:https://doi.org/10.32477/semnas.v4i1.1322.