Santosa, J. and Lestari, W. 2026. DETERMINANTS OF REGIONAL DEVELOPMENT BANK PERFORMANCE WITH OPERATIONAL EFFICIENCY AS AN INTERVENING VARIABLE. Journal of Management : Small and Medium Enterprises (SMEs). 19, 1 (Mar. 2026), 205-219. DOI:https://doi.org/10.35508/jom.v19i1.27396.