Kuncoro Catur Nugroho, Zainul Wasik, MahjudinMahjudin, and Dody Suhermawan. “Indonesia Islamic Financial Institution’s Cost Efficiency and Welfare Performance : Evidence from Economic’s Recovering Country”. Journal of Managerial Sciences and Studies 1, no. 1 (June 26, 2023): 26–39. Accessed September 13, 2025. http://jomss.org/index.php/jomss/article/view/2.