HARTADI, A.; YANTI, F. OPTIMASI ALGORITMA NAIVE BAYES DENGAN METODE STRATIFIED SAMPLING DAN PARTICLE SWARM OPTIMIZATION (PSO) DALAM PREDIKSI RESIKO KREDIT. THUSSCIENCE: JURNAL REGULASI TEKHNOLOGI DIGITAL DI INDONESIA, [S. l.], v. 2, n. 2, 2024. Disponível em: https://globaldifa.com/index.php/thusscience/article/view/29. Acesso em: 4 may. 2026.