S. . Ahmad, “Credit Scoring: Assessing Creditworthiness and Its Implications for Borrowers and Lenders”, JBEO, vol. 1, no. 2, pp. 45–51, Jun. 2018, Accessed: Feb. 26, 2026. [Online]. Available: https://resdojournals.com/index.php/jbeo/article/view/7