PASTIMA SIMANJUNTAK; RIKA HARMAN. Predicting Non-Performing Loan Levels Using XGBoost and Explainable Data Mining . Hanif Journal of Information Systems , [S. l.], v. 3, n. 2, p. 149–158, 2026. Disponível em: https://journal.ilmubersama.com/index.php/hanif/article/view/92. Acesso em: 8 jul. 2026.