D Ajay Kumar (2022) “A Budget-Constrained, Drift-Aware Framework for Early Warning of MSME Repayment Stress ”, Journal of Computational Analysis and Applications (JoCAAA), 30(1), pp. 969–975. Available at: https://eudoxuspress.com/index.php/pub/article/view/5914 (Accessed: 29 October 2026).