SETIAWAN, C.; LUMBAN TOBING, J. U. . Efficiency and non-performing loans of comparison between commercial banks in Indonesia and Malaysia . Journal of Management Science (JMAS), [S. l.], v. 7, n. 1, p. 422–429, 2024. Disponível em: https://www.exsys.iocspublisher.org/index.php/JMAS/article/view/444. Acesso em: 17 apr. 2026.