Astuti, Citra, Muhammad Rizki Aulia, and Sri Mulyani. “Risk Evaluation in Providing Gold Credit at PT Pegadaian Medan Sunggal Branch”. Journal of Innovative and Creativity 6, no. 1 (February 21, 2026): 13010–13016. Accessed October 31, 2026. https://joecy.org/index.php/joecy/article/view/8606.