MUBAROK, F.; WIBOWO, M.; PRADANA, H. D.; YAACOB, Z. The Influence of Macroeconomic Shocks, Operational Efficiency, and Financing Risk: An Empirical Study of NPF in Indonesian Islamic Banks. Falah: Jurnal Ekonomi Syariah, [S. l.], v. 11, n. 1, p. 22–42, 2026. DOI: 10.22219/jes.v11i1.43291. Disponível em: https://ejournal.umm.ac.id/index.php/JES/article/view/43291. Acesso em: 4 jun. 2026.