@article{santoso2026,
  title   = {Penerapan Explainable AI pada Model Prediksi Risiko Kredit Usaha Mikro},
  author  = {Teguh Santoso and Mira Handayani},
  journal = {Jurnal Kecerdasan Buatan dan Sains Data},
  year    = {2026},
  volume  = {2},
  number  = {1},
  pages   = {50-65},
  issn    = {3025-1102},
}