JOENOES, Kartini Sally HB; SUGIYANTO, Catur; SUKAMDI, Sukamdi; MOELJONO, Djokosantoso. Reengineering State-Owned Banks for Unsecured Microcredit: A Business Process Perspective on Regulatory Adaptation in Indonesia. Global Journal of Business, Economics & Social Development, [S. l.], v. 2, n. 2, p. 70–83, 2024. DOI: 10.56225/gjbesd.v2i2.52. Disponível em: https://ejournals.scieglobal-academia.com/index.php/gjbesd/article/view/52. Acesso em: 22 jul. 2025.