Ibrahim, E. K., Muhammad Albahi and Harahap, R. S. P. (2026) “Financial Ratio Dynamics and Profitability in Indonesian Islamic Banking: A Panel Analysis of FDR, NPF, and CAR”, Owner : Riset dan Jurnal Akuntansi, 10(3), pp. 2634-2652. doi: 10.33395/owner.v10i3.3390.