“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”. Prosiding dan Call Paper Widya Wiwaha 4, no. 1 (December 29, 2025): 471–487. Accessed January 19, 2026. https://jurnal.stieww.ac.id/index.php/semnas/article/view/1320.