AKASUMBAWA, Muhammad Dedat Dingkoroci; RUKMANA, Laelani; RAZALI; ANDI MARDIKA. What Drives BPRS Efficiency? A Study Of Financial Inclusion, Bank Characteristics, And Macroeconomic Factors. AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah, [S. l.], v. 7, n. 1, p. 13–33, 2025. DOI: 10.52490/at-tijarah.v7i1.6027. Disponível em: https://journal.iainlhokseumawe.ac.id/index.php/at-tijarah/article/view/6027. Acesso em: 21 nov. 2025.