Tri Oktaviansyah , Hendrik, et al. “Linking Faith Based Culture and Managerial Skills to Fi-Nancial Performance: Evidence from Islamic Banks ”. Jurnal Penelitian Ilmu Sosial Dan Eksakta, vol. 5, no. 1, Sept. 2025, pp. 37-48, doi:10.47134/trilogi.v5i1.1700.