Yogi Andrean Maulana, Fatmah Bagis, Tri Septin Muji Rahayu, and Alfato Yusnar Kharismasyah. 2026. “Efficiency Overload: A Dual-Mechanism Analysis of AI Adoption and Employee Wellbeing in Islamic Microfinance Institutions”. International Journal of Education, Vocational and Social Science 5 (03), 7737-67. https://doi.org/10.63922/ijevss.v5i03.5922.