Riyanti, Evy, Sri Hartoyo, and Hendro Sasongko. “The Performance and Efficiency of XYZ Bank Work Units”. Jurnal Aplikasi Bisnis dan Manajemen 8, no. 2 (June 11, 2022): 416. Accessed March 23, 2026. https://journal.ipb.ac.id/jabm/article/view/34510.