Sudiyana Suwandi, Ahmad, and Praptini Yulianti. “The Effect of Human Capital Efficiency on Bank Performance : Evidence from ASEAN-5 Listed Banks”. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 8, no. 10 (October 5, 2026): 4574–4587. Accessed October 6, 2026. https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/13011.