Soetanto, Tessa Vanina, and Ricky . “Technical Efficiency of Indonesian Commercial Banks: An Application of Two-Stage DEA”. Jurnal Manajemen dan Kewirausahaan 13, no. 2 (February 7, 2012): 107–116. Accessed October 4, 2025. https://jurnalmanajemen.petra.ac.id/index.php/man/article/view/18327.