Yogi Andrean Maulana, Fatmah Bagis, T. S. M. Rahayu, and A. Y. Kharismasyah, “Efficiency Overload: A Dual-Mechanism Analysis of AI Adoption and Employee Wellbeing in Islamic Microfinance Institutions”, IJEVSS, vol. 5, no. 03, pp. 7737-7767, Aug. 2026.