EFISIENSI PERBANKAN BUKU 4 SEBELUM MASA PANDEMI. SENMAKOMBIS : Seminar Nasional Mahasiswa Ekonomi Dan Bisnis Dewantara, [S. l.], v. 6, n. 1, p. 13–22, 2022. Disponível em: https://ejournal.stiedewantara.ac.id/SENMAKOMBIS/article/view/960. Acesso em: 29 oct. 2026.