G. N. Sari, R. E. Saputro, and G. Karyono, “Building Early-Warning Models for Multiclass Credit Risk Staging: A Comparative Study of Random Forest and XGBoost with SMOTENC and Borderline-SMOTE”, J. Tek. Inform. (JUTIF), vol. 7, no. 4, pp. 3146–3164, Aug. 2026.