Masrifah, Ifah, Darmeinis Darmeinis, and Adelina Suryani. 2026. “Default Risk Mitigation Strategy and Debt Management for Micro, Small, and Medium Enterprises in the Digital Lending Ecosystem”. Transforma Jurnal Manajemen 4 (2):134-41. https://doi.org/10.56457/tjm.v4i2.395.