Sumunar, Kurnia Indah, Dyah Ayu Anggraheni, and Mutiara Kemala Ratu. 2020. “ERM Implementation and Non-Performing Loans Performance: Comparison Between Islamic Bank and Conventional Bank”. Journal of Islamic Economics and Social Science (JIESS) 1 (2). Jakarta, Indonesia:49-57. https://doi.org/10.22441/jiess.2020.v1i2.001.