SUDIYANA SUWANDI, A.; YULIANTI, P. The Effect of Human Capital Efficiency on Bank Performance : Evidence from ASEAN-5 Listed Banks. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, [S. l.], v. 8, n. 10, p. 4574–4587, 2026. Disponível em: https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/13011. Acesso em: 6 oct. 2026.