Mubarok, Faizul, Martino Wibowo, Hasta Dwi Pradana, and Zulnaidi Yaacob. “The Influence of Macroeconomic Shocks, Operational Efficiency, and Financing Risk: An Empirical Study of NPF in Indonesian Islamic Banks”. Falah: Jurnal Ekonomi Syariah 11, no. 1 (February 8, 2026): 22–42. Accessed June 4, 2026. https://ejournal.umm.ac.id/index.php/JES/article/view/43291.