Penerapan Enterprise Risk Management (ERM) pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia: Analisis Sistematik Literatur dan Tantangan Implementasi. Journal of Economic and Business Advancement, [S. l.], v. 1, n. 2, p. 53–62, 2025. DOI: 10.65310/zsa2hz71. Disponível em: https://scriptaintelektual.com/ascendia/article/view/209. Acesso em: 25 dec. 2025.