OSWARI, Teddy. Predicting Credit Risks: Using Sustainability Criteria into Credit Risk Management. International Research Journal of Business Studies, Jakarta, Indonesia, v. 1, n. 2, p. 187–201, 2008. DOI: 10.21632/. Disponível em: https://irjbs.prasetiyamulya.ac.id/index.php/jurnalirjbs/article/view/863. Acesso em: 4 dec. 2025.