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Raden Marsha Ananda Putri, Tenny Badina and Ahmad Fatoni 2024. The Influence of Financing, Service-Based Income, and Internal Factors on Net Operating Margin in Islamic Commercial Banks. Mutanaqishah: Journal of Islamic Banking. 4, 1 (Jun. 2024), 86–102. DOI:https://doi.org/10.54045/mutanaqishah.v4i1.1559.