AFKAR, T. ANALISIS PENGARUH KREDIT MACET DAN KECUKUPAN LIKUIDITAS TERHADAP EFISIENSI BIAYA OPERASIONAL BANK UMUM SYARIAH DI INDONESIA. AJIE (Asian Journal of Innovation and Entrepreneurship), [S. l.], v. 2, n. 02, p. 177–192, 2017. Disponível em: https://journal.uii.ac.id/ajie/article/view/7953. Acesso em: 14 feb. 2026.