HIGHLIGHTS
- What: This model provides flexibility but also poses challenges related to supervision and working time constraints.
- Who: Personal from the , State Islamic University of North Sumatra, Indonesia have published the Article: (IJESSM), in the Journal: (JOURNAL) of 10/09/2024
- How: The research data was obtained through the collection of secondary information from various relevant sources including bank annual reports internal company policies and studies published by international research institutions. After data collection the analysis stage was conducted using thematic analysis techniques in which the main themes that emerged from the collected data . . .

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