Abdurrahman, Zahron, and Baiq Krisnina Maharani Putri. “Sharia Qualification and Financial Expertise As Determinants of Islamic Bank Performance”. Research Horizon 5, no. 6 (December 24, 2025): 2391–2402. Accessed July 25, 2026. https://lifescifi.com/journal/index.php/RH/article/view/866.