Nanda , Annisa, Kemas M. Husni Thamrin, and Fida Muthia. “Pengaruh Intellectual Capital Terhadap Kinerja Perbankan Umum Konvensional Di Indonesia”. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 4 (February 9, 2024): 4192–4216. Accessed April 26, 2026. https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/926.