Baltasar, S., Sampurnaningsih, S. R. ., Sahroni, S., Rachmawaty, R., & Zulfitra Zulfitra. (2026). Interest Rate in the Relationship Between Fundamental Factors and Efficiency of Indonesian Regional Development Banks (2020–2024). International Journal Of Humanities Education and Social Sciences (IJHESS), 5(6). https://doi.org/10.55227/ijhess.v5i6.2316