Sudiyana Suwandi, Ahmad, and Praptini Yulianti. 2026. “The Effect of Human Capital Efficiency on Bank Performance : Evidence from ASEAN-5 Listed Banks”. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 8 (10):4574-87. https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/13011.