Ilham rizoni, Anggun okta fitri. PERBANDINGAN EFISIENSI OPERASIONAL BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA. JIIC. 2025;2(4):6688-6696. Accessed October 15, 2026. https://jicnusantara.com/index.php/jiic/article/view/3061