“Penerapan Manajemen Risiko Terhadap Kinerja Karyawan Di Indonesia : Literature Review”. Nautical : Jurnal Ilmiah Multidisiplin Indonesia 2, no. 11 (February 25, 2024). Accessed September 27, 2025. https://jurnal.arkainstitute.co.id/index.php/nautical/article/view/602.