Pratama, Tsania Ardhya, and Segaf Segaf. “Does the Non-Financial Factor Affect the Profitability of Islamic Commercial Banks”. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, vol. 7, no. 3, Oct. 2022, doi:10.30651/jms.v7i3.13797.