Tobing, Iqbal Fahri, Muhammad Suhaimi, and Zuhrinal M. Nawawi. “MANAJEMEN RISIKO PADA PEMBIAYAAN USAHA KECIL DAN MIKRO”. JURNAL ILMIAH EDUNOMIKA 7, no. 1 (January 27, 2023). Accessed July 11, 2025. https://jurnal.stie-aas.ac.id/index.php/jie/article/view/8057.