Nilam Yunida and P. Basuki Hadiprajitno 2023. RISK MANAGEMENT ANALYSIS IN RURAL BANKS (BPR) MERGER (CASE STUDY: 6 BPRs THAT ARE IN THE PROCESS OF MERGING INTO ONE IN MALANG RAYA). SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan. 2, 8 (Jul. 2023), 2393–2412. DOI:https://doi.org/10.54443/sibatik.v2i8.1224.