D. Safira, T. A. Nengsih, M. Nazori, N. Martaliah, and L. Aprinda, “THE EFFECT OF CAR, FDR, NOM, AND DPK ON MURABAHAH FINANCING IN ISLAMIC BANKS BOOK 3 FOR THE YEARS 2020-2023 WITH NPF AS A MODERATING VARIABLE”, iconies, vol. 11, no. 1, pp. 1695-1702, Oct. 2025.