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Septian Gilang Permana Putra, Septian (author)Credit analysis is required in a wide variety of decision of a modern economy.<br/>It includes understanding the credit risk of small-medium enterprises (SMEs),<br/>which today is the most significant contributor to the economy of almost every<br/>nation. Creditors usually use credit scoring as a tool to predict the probability of<br/>the SMEs...master thesis 2018