Aprogita, Rosa Rosi Ana, and Agustin Rusiana Sari. “The Effect of Capital Adequacy and Operational Risk on Profitability With Net Operating Margin As an Intervening Variable in Islamic Commercial Banks in Indonesia During the 2020–2024 Period”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 9, no. 2 (October 13, 2026): 14387-14405. Accessed October 27, 2026. https://e-journal.uac.ac.id/index.php/iijse/article/view/11031.