Fuddin, Muhammad Khoirul, Niken Hesty Wulandari, Nur Shabrina Rahmahsari Suyono, and Robiatul Adawiah. “Sharia Banking Efficiency in Developing Countries”. Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit 11, no. 1 (March 31, 2024): 42–61. Accessed December 5, 2025. http://journal2.uad.ac.id/index.php/reksa/article/view/10579.