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 JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, vol. 2, no. 8, July 2023, pp. 2393-12, doi:10.54443/sibatik.v2i8.1224.