Ilham rizoni and Anggun okta fitri (2025) “PERBANDINGAN EFISIENSI OPERASIONAL BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA”, Jurnal Intelek Insan Cendikia, 2(4), pp. 6688–6696. Available at: https://jicnusantara.com/index.php/jiic/article/view/3061 (Accessed: 15 October 2026).