KURNIAWAN, Buyung. The Role of Risk Management and Digital Technology Literacy in Enhancing Student Resilience: The Moderating Effect of Modern Learning Environments in the Digital Era. Impact Journal - Management Business and Finance, Jakarta, ID, v. 2, n. 3, p. 238–260, 2025. Disponível em: https://impactjournal.or.id/index.php/impact/article/view/76.. Acesso em: 2 apr. 2026.