Abdullah Jan, and Maryum Agha. “MACHINE-LEARNING CREDIT-SCORING FOR UNBANKED MICRO-RETAILERS: A LASSO-LOGIT ENSEMBLE APPROACH”. Global Journal of Econometrics and Finance 4, no. 1 (June 30, 2025): 11–20. Accessed May 1, 2026. http://gjeaf.com/index.php/Journal/article/view/46.