NASIRWAN, N.; RIDHA, M. A.; JULIANI, D. Does intellectual capital efficiency improve islamic banking performance? The moderating effect of islamic governance. Journal of Accounting and Investment, [S. l.], v. 25, n. 1, p. 193–209, 2024. DOI: 10.18196/jai.v25i1.20786. Disponível em: https://journal.umy.ac.id/index.php/ai/article/view/20786. Acesso em: 10 sep. 2025.