AL MUHARAM, HILAL KHOLID (2019) PENGARUH BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP RETURN ON ASSET (ROA) BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2018. Undergraduate Thesis thesis, Universitas Muhammadiyah Surabaya.