@article{IPI1070462, title = "Analisis Determinan Efisiensi Bank Umum Syariah Indonesia Dengan Variabel Moderating Profitabilitas", journal = "MALIA: Journal of Islamic Banking and Finance", volume = " Vol 3, No 1 (2019)", pages = "", year = "2019", url = http://journal.stainkudus.ac.id/index.php/syirkah/article/view/5602 author = "Ranaswijaya, Ranaswijaya; Agriyanto, Ratno", abstract = " ", }