MUHAMMAD YUNUS; NOVI NATALIA PADANG. Operational Efficiency or Financing Risk? Key Drivers of Profitability in Indonesian Islamic Banks. Al-Muhasabah: Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan, [S. l.], v. 2, n. 2, p. 112–123, 2025. Disponível em: https://journal.syamilahpublishing.com/muhasabah/article/view/478.. Acesso em: 4 jun. 2026.