Lestari, H., Hartini, H., Laksono, W.S. and Abdullah, M.H. 2025. Determining Factors of Banking Operating Efficiency in Indonesia. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE). 8, 3 (Oct. 2025), 11450-11460. DOI:https://doi.org/10.31538/iijse.v8i3.7865.