Sufian, F. and Habibullah, M. S. (2010) “FINANCIAL CRISIS, IMF, AND BANK EFFICIENCY: EMPIRICAL EVIDENCE FROM THE ASEAN-4 BANKING SECTORS”, Buletin Ekonomi Moneter dan Perbankan, 12(2), pp. 123-150. doi: 10.21098/bemp.v12i2.369.