Wulandari SF, Ryandono MNH. THE DETERMINANT OF BANKING EFFICIENCY IN INDONESIA (EMPIRICAL STUDY ON SHARIA COMMERCIAL BANKS IN INDONESIA PERIOD 2012-2018). JESTT [Internet]. 2020 Dec. 26 [cited 2025 Jun. 8];7(12):2436-52. Available from: https://e-journal.unair.ac.id/JESTT/article/view/23686