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, [S. l.], v. 4, n. 1, p. 507–526, 2025. DOI: 10.32477/semnas.v4i1.1322. Disponível em: https://jurnal.stieww.ac.id/index.php/semnas/article/view/1322. Acesso em: 19 jan. 2026.