Afkar, Taudlikhul. 2017. “ANALISIS PENGARUH KREDIT MACET DAN KECUKUPAN LIKUIDITAS TERHADAP EFISIENSI BIAYA OPERASIONAL BANK UMUM SYARIAH DI INDONESIA”. AJIE (Asian Journal of Innovation and Entrepreneurship) 2 (02):177-92. https://journal.uii.ac.id/ajie/article/view/7953.