Moses A. Kolnagbayan, Martin K. Wallace, Li Chow, Darnette M. Herron, Francis Saah, Titus G. Gooding, and Melvin I. Soclo. “Comparative Analysis of the Performance of Machine Learning- Models in the Prediction of Credit Risk Assessment”. International Journal of Computer (IJC) 52, no. 1 (December 16, 2024): 79–88. Accessed December 6, 2025. https://www.ijcjournal.org/InternationalJournalOfComputer/article/view/2281.