@phdthesis{universitasamikomyogyakarta32095,
           month = {February},
          author = {Agnes Kamelia Narjun},
          school = {Universitas AMIKOM Yogyakarta},
           title = {PREDIKSI RESIKO KREDIT CALON NASABAH PADA
LAYANAN PEER-TO-PEER LENDING BERBASIS MACHINE
LEARNING: KOMPARASI MODEL RANDOM FOREST DAN
NAIVE BAYES},
            year = {2026},
             url = {https://eprints.amikom.ac.id/id/eprint/32095/},
        keywords = {Peer-to-peer lending, risiko kredit, Gaussian Naive Bayes, Random
Forest, data tidak seimbang, credit risk, imbalanced data.}
}