Denny Rakhmad Widi Ashari (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), pp. 204–115. doi: 10.52166/adilla.v9i1.8719.