Akasumbawa, M. D. D. (2025) “What Drives BPRS Efficiency? A Study Of Financial Inclusion, Bank Characteristics, And Macroeconomic Factors”, AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah, 7(1), pp. 13–33. doi: 10.52490/at-tijarah.v7i1.6027.