ANHARUDIN, L. R.; MANGANI, K. S.; RAJAGUKGUK, W. The Implementation of Enterprise Risk Management (ERM) to Improve the Accuracy of Credit Decision-Making: A Case Study of Consumer Cooperative X – Savings and Loan Unit (USP) “Gajian di Muka” Product. Journal of Industrial Engineering & Management Research, v. 7, n. 2, p. 127 - 142, 14 Apr. 2026.