Bakker, Daniel K., and Oyaro Jackson Ong’eta. “An Application of Multinomial Mis-Classification Cost Matrix For A P- To – P Lending Credit Score”. Advances in Social Sciences Research Journal 11, no. 3 (March 13, 2024): 76–89. Accessed December 1, 2024. http://558368.fgnqrw60.asia/index.php/ASSRJ/article/view/16544.