ARYANI, Fika; WINANTO, Ahmad. PENGARUH FINANCING TO DEPOSIT RATIO (FDR), BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO), DAN RETURN ON ASSET (ROA) TERHADAP FINANCIAL DISTRESS PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2020-2024. Jurnal Akuntansi dan Pajak, [S. l.], v. 27, n. 1, 2026. DOI: 10.29040/jap.v27i1.20431. Disponível em: https://jurnal.stie-aas.ac.id/index.php/jap/article/view/20431. Acesso em: 17 jul. 2026.