Jubilee, R. V. . W., F. . Kamarudin, H. I. . . Hussain, A. R. . A. . Latiff, and N. . Zainal. “Analysis of Total Factor Productivity Changes in Islamic and Conventional Banks: Empirical Evidence from Three Regions”. International Journal of Management and Sustainability, vol. 9, no. 3, Sept. 2020, pp. 161-80, doi:10.18488/journal.11.2020.93.161.180.