Ridwan, M., N. Yusuf, and J. Indra. “Pengaruh Return on Equity Dan Non Performing Finance Terhadap Capital Buffer Pada Bank Umum Syariah Di Indonesia”. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, vol. 8, no. 3, July 2025, pp. 933-41, doi:10.37481/sjr.v8i3.1171.