Kurniawan, Rudi, Dominicus Savio Priyarsono, Widodo Ramadyanto, and Tania Chusna Azzahra. 2026. “Do Cross-Border Bank Mergers and Acquisitions Lead to Greater Efficiency? Evidence from Indonesia”. Jurnal Fokus Manajemen Bisnis 16 (1):389-410. https://doi.org/10.12928/fokus.v16i1.14884.