Denny Rakhmad Widi Ashari, Gautama Sastra Waskita, Nurani, Ahmad Rifa’i, & Muhammad Syahrul Hidayat. (2026). Co-Creating Operational Service Excellence In SMES: Integrating Academic Insights And Sharia Banking Practices Through Service-Dominant Logic. ADILLA : Jurnal Ilmiah Ekonomi Syari’ah, 9(1), 204–115. https://doi.org/10.52166/adilla.v9i1.8719 (Original work published May 10, 2026)