AZRA, S. F.; SUDARSONO, R. The Moderating Effects Of Intellectual Capital On The Relationships Between Income Diversification And Banking Efficiency In Indonesia . Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 7, n. 1, p. 707–716, 2026. DOI: 10.37385/msej.v7i1.10079. Disponível em: https://journal.yrpipku.com/index.php/msej/article/view/10079. Acesso em: 19 jan. 2026.