“A Structural Model of Risk Governance and Maturity in Ultra Microfinance SOEs”. International Journal of Cyber and IT Service Management (IJCITSM) 5, no. 2 (September 9, 2025): 156−170. Accessed October 22, 2026. https://iiast.iaic-publisher.org/ijcitsm/IJCITSM/article/view/200.