?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.aufirst=Rizky+Fadly+Pamudya&rft.aulast=Wardana&rft.au=Wardana%2C+Rizky+Fadly+Pamudya&rft.date=26+February+2026&rft.degree=S1+-+Sarjana&rft.inst=Universitas+AMIKOM+Yogyakarta&rft.title=PREDIKSI+CREDIT+DEFAULT+MENGGUNAKAN+XGBOOST+DAN+SHAP