Lestari, Henny, Hartini Hartini, Wafi Suryo Laksono, and M. Hussin Abdullah. “Determining Factors of Banking Operating Efficiency in Indonesia”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 8, no. 3 (October 2, 2025): 11450-11460. Accessed September 7, 2026. https://e-journal.uac.ac.id/index.php/iijse/article/view/7865.