FACTORS AFFECTING THE LEVEL OF WORKING CAPITAL FINANCING: THIRD-PARTY FUNDS, FINANCING TO DEPOSIT RATIO (FDR), AND NON-PERFORMING FINANCING (NPF) AT ISLAMIC COMMERCIAL BANKS IN INDONESIA PERIOD 2019-2024. Semnas. 2025;4(1):471-487. doi:10.32477/semnas.v4i1.1320