Sa’diyah, Nelly Himmatus, and Kus Irawan Prabowo. “The Effect of Non-Performing Financing, Financing to Deposit Ratio, and Capital Adequacy Ratio on Murabahah Financing at Bank Mega Syariah for the 2019-2025 Period”. Journal of Economics and Social Sciences (JESS), vol. 5, no. 1, June 2026, pp. 443-52, doi:10.59525/jess.1655.