Aziz LH, Manurung AH, Sembel R, Imron A. The Measurement of Efficiency and Analysis of Factors Affecting Conventional Commercial Banks in Indonesia. MSR [Internet]. 2023 Jun. 26 [cited 2026 May 31];2(3):13-26. Available from: https://www.smanagementscienceresearchjournal.com.msjr.my.id/index.php/msr/article/view/63