AS’ARI, A.; AYU OKTORIZA, L.; ANOMSARI, A.; ZARETTA, B. Analisis Dampak Digital Financial Inclusion, Efisiensi Operasional, dan Struktur Dana Murah Terhadap Stabilitas Perbankan KBMI 4 di Indonesia (2020–2025). El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 7, n. 10, p. 6153–6167, 2026. DOI: 10.47467/elmal.v7i10.13278. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/13278. Acesso em: 10 oct. 2026.