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Salah satu penyebab paling umum adalah **manajemen yang buruk**. Bank yang dikelola oleh orang-orang yang gak kompeten, atau bahkan korup, biasanya bakal cepat atau lambat bermasalah. Mereka bisa saja bikin keputusan investasi yang salah, memberikan pinjaman yang berisiko tinggi, atau bahkan menggelapkan dana nasabah. Kalau udah begini, ya udah, banknya bisa kolaps.
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