Nadhief Fadlurrahman and Aries Heru Prasetyo (2023) “PROPOSAL DESIGN AND RISK MANAGEMENT ASSESSMENT FOR UMKM PT. XYZ PERIOD 2023 - 2024”, Jurnal Ekonomi, 12(04), pp. 1020–1028. Available at: https://ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/2501 (Accessed: 2 May 2026).