“The Effect of Capital Adequacy and Operational Efficiency on Financial Performance (Case Study of Bank Syariah Indonesia and Bank Muamalat for the Period 2019-2024): The Effect of Capital Adequacy and Operational Efficiency on Financial Performance”. 2026. Jurnal Keuangan Dan Perbankan Syariah 4 (2). https://doi.org/10.24260/jkubs.v4i2.4572.