Lizar Eddy, Yosi, and Engku Muhammad Nazri Engku Abu Bakar. “Credit Scoring Models: Techniques and Issues”. Journal of Advanced Research in Business and Management Studies 7, no. 2 (October 24, 2020): 29–41. Accessed May 20, 2024. https://www.akademiabaru.com/submit/index.php/arbms/article/view/1240.