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 [Internet]. 2025 Dec. 29 [cited 2026 Jan. 19];4(1):507-26. Available from: https://jurnal.stieww.ac.id/index.php/semnas/article/view/1322