Mai, Muhamad Umar; Sudradjat; Sembiring, Etti Ernita - In: Cogent business & management 12 (2025) 1, pp. 1-17
Conventional rural banks (CRBs) are the main business partners for MSMEs, contributing significantly to Indonesia's regional and national GDP. However, weak corporate governance norms often cause financial problems for BPRs, including financial instability as a result of excessive risk-taking....