B. Rawat, J. Nathalie, D. Manongga, G. Fransiso, F. P. O. Moana, and P. A. Sunarya, “Machine Learning-Based Risk Assessment and Default Prediction in P2P Lending Platforms”, SHEM, vol. 2, no. 1, pp. 48–59, Apr. 2026, doi: 10.68012/shem.v2i1.56.