Nilam Yunida and P. Basuki Hadiprajitno, “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, vol. 2, no. 8, pp. 2393–2412, Jul. 2023.