Muljono, H. T., Ratnawati, T. ., & Sihab, M. R. (2024). Digitalization of Gearing Ratio Program to Mitigate Financial Risk of Indonesian Credit Guarantee Industry. International Conference On Economics Business Management And Accounting (ICOEMA), 3, 693-702. Retrieved from https://conference.untag-sby.ac.id/index.php/icoema/article/view/5059