Anharudin LR, Mangani KS, 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. jiemar [Internet]. 2026Apr.14 [cited 2026Apr.17];7(2):127 -142. Available from: https://jiemar.org/index.php/jiemar/article/view/705