Serang AED. INTEGRASI PARAMETER ESG DALAM SISTEM PENILAIAN KELAYAKAN PENJAMINAN KREDIT UMKM: PENDEKATAN RISK-BASED GUARANTEE ANALYSIS. JIE [Internet]. 2025 Dec. 5 [cited 2026 Mar. 6];9(4). Available from: https://jurnal.stie-aas.ac.id/index.php/jie/article/view/18674