Alrafadi, Khalad M. S. “Determinants of Total Factor Productivity of Libyan Banks 2004 – 2010”. International Journal of Management Excellence (ISSN: 2292-1648) 6, no. 3 (April 30, 2016): 690–702. Accessed February 4, 2026. https://www.techmindresearch.org/index.php/ijme/article/view/825.