“Determinan Tingkat Efisiensi Perbankan Syariah Di Indonesia: Two Stages Data Envelopment Analysis”. Cakrawala: Jurnal Studi Islam 11, no. 2 (December 12, 2016): 178–194. Accessed September 30, 2026. https://coba.unimma.ac.id/cakrawala/article/view/249.