Naja, Abdul Hakam, Rina Indiastuti, Dian Masyita, and Cupian Cupian. “Is Islamic Banking Performance in Malaysia Truly Better Than Indonesia?”. Journal of Islamic Monetary Economics and Finance 9, no. 4 (December 1, 2023): 611–636. Accessed February 15, 2026. https://www.jimf-bi.org/JIMF/article/view/1784.