Ni Luh Emi Pradewi, Made Oka Candra Andreana. Analysis of Fraud Heptagon Theory on the Tendency of Fraud in Village Credit Institutions. Ijemr [Internet]. 2026 Jan. 14 [cited 2026 Jan. 20];5(1):234-45. Available from: https://ijemr.asia/index.php/ijemr/article/view/627