Ganefi, Hadi Satria, Wita Juwita Ermawati, and Dedi Budiman Hakim. 2020. “COMPETITIVE STRUCTURE AND TECHNICAL EFFICIENCY OF BANKING INDUSTRY IN INDONESIA”. Jurnal Aplikasi Bisnis Dan Manajemen 6 (3): 643. https://doi.org/10.17358/jabm.6.3.643.