Wulandari, S. F., and M. N. H. Ryandono. “THE DETERMINANT OF BANKING EFFICIENCY IN INDONESIA (EMPIRICAL STUDY ON SHARIA COMMERCIAL BANKS IN INDONESIA PERIOD 2012-2018)”. Jurnal Ekonomi Syariah Teori Dan Terapan, vol. 7, no. 12, Dec. 2020, pp. 2436-52, doi:10.20473/vol7iss202012pp2436-2452.