Syarif, T.A. and Samidi, S. 2026. Data-Driven Approach in Determining Problem Credit Management Strategies in the Small & Medium Enterprises Banking Sector. Jurnal Ilmiah Manajemen Kesatuan. 14, 1 (Jan. 2026), 1389–1402. DOI:https://doi.org/10.37641/jimkes.v14i1.4906.