RAHMANSYAH, Gani Shaleh; RIDHAH, Habibatur; SUMARNI, Nini; NURANI, Khadijah. Analisis Manajemen Risiko Pada Pembiayaan Gadai Emas Pada PT. Pegadaian Syariah Simpang Benteng Payakumbuh. JoEMS : Journal of Education and Management Studies, [S. l.], v. 9, n. 2, p. 161–178, 2026. DOI: 10.32764/joems.v9i2.1737. Disponível em: https://ojs.unwaha.ac.id/index.php/joems/article/view/1737. Acesso em: 27 apr. 2026.