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DWI NAFY PUTRANTO, 040510843 (2013) PENGARUH NPF (NON PERFORMING FINANCING), ER (EFICIENCY RATIO), FDR (FINANCING TO DEPOSIT RATIO) TERHADAP ROA (RETURN ON ASSETS) PADA BANK MUAMALAT INDONESIA (PERIODE 2005 - 2011). Skripsi thesis, UNIVERSITAS AIRLANGGA.