UBAIDILLAH, Muchammad; UTOMO, Yitno. Pemetaan Risiko Pembiayaan Konsumen Berbasis Clustering Wilayah Pengajuan. Indonesian Journal of Innovation Multidisipliner Research, [S. l.], v. 4, n. 3, p. 5779–5790, 2026. DOI: 10.69693/ijim.v4i3.1888. Disponível em: https://multidisipliner.org/ijim/article/view/1888. Acesso em: 10 oct. 2026.