Mochamad Fajar Insani, & Atik Purmiyati. (2019). TECHNICAL EFFICIENCY OF SAVING AND LOAN COOPERATIVES IN GERBANGKERTASUSILA, EAST JAVA PROVINCE: A TWO-STAGE ANALYSIS. East Java Economic Journal, 3(2), 153–167. https://doi.org/10.53572/ejavec.v3i2.44