Muhammad Rafi Zaidan Ariq, Igo Febrianto. Examining the Role of Islamic Financing in Enhancing Bank Efficiency and Stability: A Moderation Analysis of NPF. IJEMS [Internet]. 2026 May 18 [cited 2026 Oct. 5];3(2):122-3. Available from: https://international.areai.or.id/index.php/IJEMS/article/view/1205