Lumban Gaol, C. P., Sirait, R. D. E., & Irene Patricia Sianipar. (2026). Bridging the Transportation Safety Gap in Lake Toba: Business Liability, Bankruptcy Risk, and Regulatory Governance After the KM Sinar Bangun Disaster. International Journal Of Humanities Education and Social Sciences, 6(2). https://doi.org/10.55227/ijhess.v6i2.2553