Cnur, Thiar, Herdyana, and Hari Gursida. “From Risk Neutral to Risk Taker: A Case Study of Credit Risk Deterioration in Indonesian Regional Development Bank”. International Journal Administration, Business & Organization 7, no. 2 (August 2, 2026): 30-48. Accessed August 4, 2026. https://ijabo.a3i.or.id/index.php/ijabo/article/view/757.