HARI SATRIYONO. Sustainable Credit Risk Governance : A Systematic Review of ERM, ESG, and Digital Readiness in MSME Financing in Indonesia. JURNAL ILMIAH EDUNOMIKA, [S. l.], v. 9, n. 4, 2025. DOI: 10.29040/jie.v9i4.18617. Disponível em: https://jurnal.stie-aas.ac.id/index.php/jie/article/view/18617. Acesso em: 13 feb. 2026.