Octrina, Fajra, and Almi Jamilah. “Productivity Comparison Between Conventional and Islamic Commercial Banks in Indonesia During the COVID-19 Pandemic”. International Journal of Islamic Economics and Finance (IJIEF) 7, no. 1 (February 1, 2024): 1–26. Accessed September 4, 2025. https://journal.umy.ac.id/index.php/ijief/article/view/16323.