E. A. Ajah, I. A. Asuquo, E. E. Agbachom, O. I. Ettah, and E. O. Eyo, “Microfinance Banks Utilization of Information Cues in the Prediction of Loan Default and Credit Risk in Nigeria: The Lens Modelling Approach”, IJEFI, vol. 15, no. 2, pp. 220–225, Feb. 2025.