Ariwibowo Y, Aisyah EN. Analisis efisiensi operasional bank muamalat indonesia: kajian rasio bopo periode 2020–2024. mij [Internet]. 29Dec.2025 [cited 6May2026];4(1):528-34. Available from: https://urj.uin-malang.ac.id/index.php/mij/article/view/20154