MASRIFAH, I.; DARMEINIS, D.; SURYANI, A. . Default Risk Mitigation Strategy and Debt Management for Micro, Small, and Medium Enterprises in the Digital Lending Ecosystem. Transforma Jurnal Manajemen, [S. l.], v. 4, n. 2, p. 134–141, 2026. DOI: 10.56457/tjm.v4i2.395. Disponível em: https://www.journal.pascasarjana-unpas.web.id/index.php/tjm/article/view/395. Acesso em: 17 oct. 2026.