Herindar, Evania, Mimma Maripatul Uula, and Aam Slamet Rusydiana. “Measuring Islamic Rural Banks Productivity in Indonesia 2016-2021: Quadrant Analysis, Technological Change, And Covid-19 Pandemic Impact”. Review on Islamic Accounting 1, no. 1 (March 31, 2021). Accessed April 16, 2026. https://journals.smartinsight.id/index.php/RIA/article/view/90.