“ANALISIS PENERAPAN MANAJEMEN RISIKO DI PT. BANK SYARIAH INDONESIA KCP SURABAYA MERR 1”. Musytari : Jurnal Manajemen, Akuntansi, Dan Ekonomi, vol. 25, no. 1, Dec. 2025, pp. 5161-70, https://cibjournal.com/index.php/musytari/article/view/2820.