SHEHRYAR, M.; ZAINAL, N.; NADZRI, F. A. A. UNDERSTANDING FINANCIAL EFFICIENCY IN ISLAMIC BANKS: A CONCEPTUAL PERSPECTIVE. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), [S. l.], v. 8, n. 29, p. 897–917, 2026. DOI: 10.35631/AIJBES.829050. Disponível em: https://gaexcellence.com/aijbes/article/view/8327. Acesso em: 9 oct. 2026.