Anggraini, Dita, and Mohamad Irsyad. “Determinants of Efficiency of Islamic Commercial Banks in Indonesia”. JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES 4, no. 3 (April 30, 2025): 517–531. Accessed March 20, 2026. https://ojs.transpublika.com/index.php/MARGINAL/article/view/1701.