AYI SRIE YUNIAWATI; ANITA DWI UTAMI; SUKMAYADI, Sukmayadi. Determinasi Kinerja Keuangan BPR Syariah di Indonesia : Peran Efisiensi Operasional dan Digitalisasi Periode 2020-2024. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, [S. l.], v. 5, n. 4, p. 5135–5151, 2026. DOI: 10.56799/ekoma.v5i4.16740. Disponível em: https://al-haramjournal.co.id/EKOMA/article/view/16740. Acesso em: 13 aug. 2026.