“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 4, no. 1 (December 29, 2025): 507–526. Accessed January 19, 2026. https://jurnal.stieww.ac.id/index.php/semnas/article/view/1322.