?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.au=Maharani%2C+Novita+Kusuma&rft.aulast=Maharani&rft.aufirst=Novita+Kusuma&rft.atitle=Does+Banking+in+Indonesia+tend+to+be+Concentrated%3F&rft.title=Jurnal+Ekonomi+dan+Bisnis+Islam&rft.issue=2&rft.issn=2527-3434&rft.volume=4&rft.date=2019&rft.genre=article