SHEHRYAR, M.; ZAINAL, N.; NADZRI, F. A. A. DETERMINANTS OF FINANCIAL EFFICIENCY IN ISLAMIC BANKS: AN INTEGRATED CONCEPTUAL FRAMEWORK. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), [S. l.], v. 8, n. 29, p. 1091–1111, 2026. DOI: 10.35631/AIJBES.829062. Disponível em: https://gaexcellence.com/aijbes/article/view/8411. Acesso em: 9 oct. 2026.