“ANALISIS PERBEDAAN RASIO PROFITABILITAS PERBANKAN (ROA) SEBELUM DAN SESUDAH MENGADPOSI INTERNET BANKING TERHADAP PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI)”, Zhafir: Journal of Islamic Economics, Finance, and Banking, vol. 1, no. 1, pp. 25–38, Oct. 2023, Accessed: Oct. 07, 2025. [Online]. Available: https://jurnalsains.id/index.php/zhafir/article/view/67