PERBANDINGAN EFISIENSI OPERASIONAL BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA. Jurnal Intelek Insan Cendikia, [S. l.], v. 2, n. 4, p. 6688–6696, 2025. Disponível em: https://jicnusantara.com/index.php/jiic/article/view/3061. Acesso em: 1 jul. 2026.