Norita Sinaga, and Syaeful Machfud. “Comparative Analysis of Random Forest and XGBoost Algorithms for Credit Risk Classification”. Jurnal Inotera 10, no. 2 (December 24, 2025): 481-489. Accessed July 26, 2026. https://inotera.poltas.ac.id/index.php/inotera/article/view/556.