Rika Saputri Lubis, and Nenna Isra Syahputri. “Synergizing Historical Similarity and Probabilistic Attributes: A Dual-Engine Machine Learning Model for Subsidized Housing Credit Risk”. Journal Computer and Technology 4, no. 1 (July 22, 2026): 48–60. Accessed July 23, 2026. https://ojs.ninetyjournal.com/index.php/COMTECHNO/article/view/411.