Mochammad Nugraha Reza Pradana, Suherman Suherman, Angelin Angelin, Ferdy Jason, Viona Anggreany, and Michelle Michelle, “Pengaruh Enterprise Risk Management, Tata Kelola, Sistem Informasi Risiko, dan Leverage terhadap Kinerja Keuangan Bank BUMN”, JUPSIM, vol. 5, no. 2, pp. 643–658, May 2026.