Sudiyana Suwandi, A. and Yulianti, P. (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), pp. 4574–4587. Available at: https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/13011 (Accessed: 6 October 2026).