PROF.(DR.) ARPIT JAIN. ML-Driven Credit Risk Scoring for Microfinance Lending Models. International Journal of Advanced Research in Computer Science and Engineering (IJARCSE), India., v. 1, n. 2, p. Jun (7–13), 2025. Disponível em: https://ijarcse.org/index.php/ijarcse/article/view/56. Acesso em: 22 jan. 2026.