“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 ” (2025) Prosiding dan Call Paper Widya Wiwaha, 4(1), pp. 507–526. doi:10.32477/semnas.v4i1.1322.