Umar Iskandar, M. Ersyad Indra, and Darniaty Azis. “Business Judgment Rule As Legal Protection for Directors in Non-Performing Loan Cases at Indonesian State-Owned Banks”. Indonesian Journal of Multidisciplinary Sciences (IJoMS), vol. 5, no. 2, July 2026, pp. 1430-42, doi:10.59066/ijoms.v5i2.2684.