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):2393-2412. https://doi.org/10.54443/sibatik.v2i8.1224.