Igloria, Jeriel, and Enrico Jr. Yee. “Technical Efficiency of a Rural bank’s Branches in Davao Region: A Data Envelopment Approach”. International Journal of Multidisciplinary Studies 5, no. 1 (July 31, 2023): 94–122. Accessed December 29, 2025. https://www.jmcfijournals.org/index.php/ijms/article/view/94.