VALCARCEL, Lina J..
 Predicting Bank Loan Defaults:  Statistical Versus Bank Loan Officers’ Evaluation.
<strong>Philippine Management Review</strong>, [S.l.], v. 1, sep. 2016.
Available at: &lt;<a href="https://journals.upd.edu.ph/index.php/pmr/article/view/5359" target="_new">https://journals.upd.edu.ph/index.php/pmr/article/view/5359</a>&gt;. Date accessed: 01 sep. 2025.