“PERBANDINGAN EFISIENSI OPERASIONAL BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA”. Jurnal Intelek Insan Cendikia, vol. 2, no. 4, Apr. 2025, pp. 6688-96, https://jicnusantara.com/index.php/jiic/article/view/3061.