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PERBANDINGAN PENGARUH INTEREST RATE, EXCHANGE RATE IDR/USD, & NON PERFORMING LOAN/NON PERFORMING FINANCING TERHADAP PROFITABILITAS BANK KONVENSIONAL DAN BANK SYARIAH: STUDI KASUS 8 PERBANKAN KONVENSIONAL & 6 PERBANKAN SYARIAH DI INDONESIA (ROA & PROFIT MARGIN) TAHUN 2020-2023
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