Tyas, Atika Ayuning, and Aam Slamet Rusydiana. “THE PRE-MERGER EFFICIENCY OF BANKS: EVIDENCE IN INDONESIA STATE-OWNED ISLAMIC BANKS”. Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 7, no. 1 (June 30, 2021): 1–13. Accessed February 3, 2025. https://e-journal.unair.ac.id/JEBIS/article/view/23319.