Machine Learning-Based Credit Risk Early Warning System for Small and Medium-Sized Financial Institutions: An Ensemble Learning Approach with Interpretable Risk Indicators. Journal of Science, Innovation & Social Impact, [S. l.], v. 1, n. 1, p. 372–383, 2025. Disponível em: https://sagespress.com/index.php/JSISI/article/view/41. Acesso em: 30 nov. 2025.