Adela Putri, Sania, Muhammad Yafiz, and Wahyu Syarvina. “Analisa Faktor-Faktor Penentu Efesiensi Biaya Bank Umum Syariah Indonesia Menggunakan Metode Parametrik Periode 2017-2021”. JOVISHE : Journal of Visionary Sharia Economy 1, no. 2 (September 21, 2023): 112–120. Accessed September 8, 2025. https://journal.makwafoundation.org/index.php/jovishe/article/view/243.