Akasumbawa MDD, Rukmana L, Razali, Andi Mardika. What Drives BPRS Efficiency? A Study Of Financial Inclusion, Bank Characteristics, And Macroeconomic Factors. AT-TIJARAH [Internet]. 2025 Jun. 30 [cited 2025 Nov. 21];7(1):13-3. Available from: https://journal.iainlhokseumawe.ac.id/index.php/at-tijarah/article/view/6027