Ita Sitasari Tuhari, Muhammadtahir Cheumar and Hardius Usman (2026) “Shariah Governance Matters: Analysis of Enterprise Risk Management and Risk Performance in Indonesian Islamic Banks”, Journal of Scientific Research, Education, and Technology (JSRET), 5(3), pp. 2212–2234. doi: 10.58526/jsret.v5i3.1213.