Sarder, Himadri Shekhar, Prof (Dr.) Radha Tamal Goswami, and Dr. Moumita Mukherjee. “Artificial Intelligence, Operational Efficiency, and Credit Risk in Microfinance Institutions”. Enterprise Development and Microfinance 36, no. 2 (September 7, 2026): 911–919. Accessed September 15, 2026. https://papjournals.com/index.php/edm/article/view/536.