Utami, Diah Dewi Rahmawati, and Annisa Rahima. “Penerapan Manajemen Risiko Dalam Meminimalisir Kredit Bermasalah Pada BPR Nusumma Jogja”. Journal of Management and Digital Business 5, no. 1 (January 30, 2025): 123–142. Accessed February 17, 2026. https://journal.nurscienceinstitute.id/index.php/jmdb/article/view/1503.