Malika, Puja, Ari Muzakir, Evi Yulianingsih, Maria Ulfa, and Nia Oktaviani. “Beyond Accuracy: Leakage-Audited Machine Learning for Explainable Microcredit Risk Screening at Bank Mandiri”. International Journal of Education, Vocational and Social Science 5, no. 04 (September 11, 2026): 846-865. Accessed October 13, 2026. https://www.e-journal.citakonsultindo.or.id/index.php/IJEVSS/article/view/6418.