“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 ”, Semnas, vol. 4, no. 1, pp. 507–526, Dec. 2025, doi: 10.32477/semnas.v4i1.1322.