Masrifah, I., D. Darmeinis, and A. . Suryani. “Default Risk Mitigation Strategy and Debt Management for Micro, Small, and Medium Enterprises in the Digital Lending Ecosystem”. Transforma Jurnal Manajemen, vol. 4, no. 2, Aug. 2026, pp. 134-41, doi:10.56457/tjm.v4i2.395.