ALFAUZAN, Sony. Credit Risk Prediction Using LightGBM with Time-Aware Validation and Shap Interpretation. Jurnal Matematika Sains dan Teknologi, [S. l.], v. 27, n. 1, p. 13–21, 2026. DOI: 10.33830/jmst.v27i1.13616.2026. Disponível em: https://jurnal.ut.ac.id/index.php/jmst/article/view/13616. Acesso em: 12 aug. 2026.