Nugroho, Muchammad Rio, and Ladi Wajuba Perdini Fisabilillah. “Analisis Efisiensi Kinerja Kelompok Bank Menurut Modal Inti”. Independent: Journal of Economics 5, no. 2 (August 31, 2025): 152–160. Accessed November 12, 2025. https://ejournal.unesa.ac.id/index.php/independent/article/view/69004.