Suroso, A. , Kristiawati, I. and Aurelia Mahjudin, N. 2025. Macroeconomic Determinants, Efficiency, and Policy Drivers of Welfare Performance in Islamic Fintech: The Mediating Role of Systematic Risk in Indonesia. Journal of Managerial Sciences and Studies. 3, 2 (Jun. 2025), 579–587. DOI:https://doi.org/10.61160/jomss.v3i2.81.