KHASANAH, Ulfatul; NAJIYAH, Faridatun; AHMED, Salma Sayed Mahmoud. Digitalisasi, Efisiensi Operasional, Profitabilitas, dan Risiko Pembiayaan Bank Syariah Indonesia: Pola Efisiensi-Pertama. Business and Economic Publication, [S. l.], v. 4, n. 2, p. 208–227, 2026. DOI: 10.32764/bep.v4i2.1865. Disponível em: https://ojs.unwaha.ac.id/index.php/bep/article/view/1865. Acesso em: 4 sep. 2026.