Muhammad Yunus, and Novi Natalia Padang. 2025. “Operational Efficiency or Financing Risk? Key Drivers of Profitability in Indonesian Islamic Banks”. Al-Muhasabah: Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan 2 (2): 112-23. https://journal.syamilahpublishing.com/muhasabah/article/view/478.