Nainggolan, Romauli, Dyah Sari, and Wasiaturrahma Wasiaturrahma. 2022. “Analysis of the Effect of Bank Size, Credit Risk, and Capital Adequacy on Cost Efficiency of Banks in Indonesia (SFA Method)”. Jurnal Ekonomi Dan Bisnis 25 (2), 321-36. https://doi.org/10.24914/jeb.v25i2.4825.