@misc{ais_repository_3988,
  title = {Strategi Efisiensi Perbankan Indonesia},
  author = {Dr. Ir. Rahmat Mulyana. and MM},
  year = {2026},
  publisher = {Penerbit Adab},
  howpublished = {Repository AIS},
  note = {oai:ais:library-item:8718}
}