BEYOND UNCERTAINTY: DIRECT INVESTMENT OPPORTUNITY AND RISK MANAGEMENT STRATEGY FOR FINANCIAL RESILIENCE IN BPJS KETENAGAKERJAAN. icsema [Internet]. 2025 Aug. 12 [cited 2026 Oct. 12];1(1):860-7. Available from: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/373