K. S. H. Joenoes, C. . Sugiyanto, S. Sukamdi, and D. Moeljono, “Reengineering State-Owned Banks for Unsecured Microcredit: A Business Process Perspective on Regulatory Adaptation in Indonesia”, GJBESD, vol. 2, no. 2, pp. 70–83, Nov. 2024, doi: 10.56225/gjbesd.v2i2.52.