Susetyono, E., D. S. Priyarsono, A. Sukmawati, and P. Nurhayati. “A Structural Model of Risk Governance and Maturity in Ultra Microfinance SOEs”. International Journal of Cyber and IT Service Management (IJCITSM), vol. 5, no. 2, Sept. 2025, p. 156−170, doi:10.34306/ijcitsm.v5i2.200.