ANALISIS EFESIENSI OPERASIONAL BANK UMUM SYARIAH MELALUI KONTRIBUSI DANA GIRO : SUATU TINJAUAN STUDI LITERATUR. Musytari. 2026;25(2):3351-3360. Accessed October 3, 2026. https://cibjournal.com/index.php/musytari/article/view/6843