JIHAN JUWITA RIZQY; UMAIMA; RUSNAENA; ISMAYANTI. The Effect of ROA, NPF, and BOPO on Zakat Distribution in Islamic Commercial Banks in Indonesia for the Period 2021–2024 . Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah, [S. l.], v. 10, n. 1, p. 138–156, 2026. Disponível em: https://journal.uin-alauddin.ac.id/index.php/almashrafiyah/article/view/66399. Acesso em: 11 oct. 2026.