Sarder, Himadri Shekhar, Prof (Dr.) Radha Tamal Goswami, and Dr. Moumita Mukherjee. 2026. “Artificial Intelligence, Operational Efficiency, and Credit Risk in Microfinance Institutions”. Enterprise Development and Microfinance 36 (2):911-19. https://doi.org/10.64149/edm.v36i2.536.