A. Sianturi, M. A. Permadi, R. Hidayat, R. Sari, Y. Saftiana, and Isnurhadi, “Strengthening Financial Resilience Through Risk Management: A Systematic Literature Review of Financial Risk Assessment, Mitigation, and Decision-Making Approaches”, IJEVSS, vol. 5, no. 04, pp. 282-304, Sep. 2026.