Sari, G. N., Saputro, R. E., & Karyono, G. (2026). Building Early-Warning Models for Multiclass Credit Risk Staging: A Comparative Study of Random Forest and XGBoost with SMOTENC and Borderline-SMOTE. Jurnal Teknik Informatika (Jutif), 7(4), 3146–3164. https://doi.org/10.52436/1.jutif.2026.7.4.5611