M. RIZKI FADILLAH; MAFTUKHATUSOLIKHAH; RINOL SUMANTRI; AMIRUL FAIZ OSMAN; NOR HAYATI AHMAD. Factors Influencing Non-Performing Financing in Local and Foreign Islamic Banks in Malaysia: The Impact of Staff Efficiency as a Moderator. Al-Kharaj: Journal of Islamic Economic and Business, [S. l.], v. 8, n. 1, 2026. DOI: 10.24256/kharaj.v8i1.9852. Disponível em: https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/9852. Acesso em: 29 mar. 2026.