Herlan, Eka Sudarmaji, and M Rubiul Yatim. “Predictive Creditworthiness Modeling in Energy-Saving Finance: Machine Learning Logit and Neural Network”. Financial Risk and Management Reviews 8, no. 1 (February 8, 2022): 1–11. Accessed February 4, 2026. https://www.archive.conscientiabeam.com/index.php/89/article/view/2919.