Azhari Pohan, Ahmad, dan Yeni Hanisah Piliang. “An Analysis of the Efficiency of Islamic Commercial Banks in Indonesia During the 2021–2025 Period ”. El-Iqtishod: Jurnal Ekonomi Syariah, vol. 10, no. 1, Mei 2026, hlm. 18-31, doi:10.70136/el-iqtishod.v10i1.667.