INDRIANNI, V.; NURHAYATI, S. DETERMINAN EFISIENSI PERBANKAN DI INDONESIA. Journal of Accounting and Management’s Student, [S. l.], v. 2, n. 1, 2025. Disponível em: https://journals.unikal.ac.id/index.php/jams/article/view/339. Acesso em: 7 oct. 2026.