id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
easat-2774	Muljono, Hari Tohar ; Ratnawati, Tri ; Ridwan, M. Sihab 	Reconstructing gearing ratios and digital-based service rates to mitigate financial risks for sustainable development in Indonesia’s credit guarantee industry	2024	13	.pdf	application/pdf	4354	214	43	Digital transformation and the use of big data by 3600 Edelweiss Applied Science and Technology ISSN: 2576-8484 Vol. 8, No. 6: 3589-3601, 2024 DOI: 10.55214/25768484.v8i6.2774 © 2024 by the authors; licensee Learning Gate guarantee agencies a significant steps towards improving efficiency and transparency, but they also present new risks such as operational and reputational risks, The gearing ratio is an important indicator in assessing the financial health of guarantee institutions, where the optimal ratio is a maximum of 40 times and an in-depth study needs to be carried out regarding its calculation policy, considering the quality of guarantee risk. This study has five criteria, namely macroeconomic and monetary criteria, financial services authority regulations, governance, credit financial risk, and business sustainability strategies.	cache/easat-2774.pdf	txt/easat-2774.txt