Shukur, Nabilah Abdul, and Fadzlan Sufian. “Trends in Banking Efficiency and Returns to Scale: Evidence from ASEAN-6 Banking Sectors”. Journal of Islamic, Social, Economics and Development 10, no. 77 (October 30, 2025). Accessed November 16, 2025. https://academicinspired.com/jised/article/view/3677.