Determinants of Return on Assets in Sharia Commercial Banks: The Moderating Role of Non-Performing Financing. Journal of Applied Accounting and Sustainable Finance, [S. l.], v. 2, n. 1, p. 76–95, 2026. DOI: 10.65440/aasf.v2i1.179. Disponível em: https://ojs.azzukhrufcendikia.or.id/index.php/aasf/article/view/179. Acesso em: 9 apr. 2026.