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Credit-Delinquency Modelling and the Financial-Cooperative Gap: A Quantitative Review of Determinants, Ensemble Learning and Explainable Artificial Intelligence por Henry Robert López Núñez, Luis Marcelo Mantilla Falcón, Óscar López, Alexander Fernando Haro-Sarango, Richard Oswaldo Manzano-Fernández
Publicado 2026Enlace permanente (DOI o Handle)
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Banking stability, regulation, efficiency
Credit Risk and Financial Regulations
Financial Distress and Bankruptcy Prediction
credit risk modeling
ensemble learning
explainable AI
financial cooperatives
loan delinquency
research agenda
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savings and credit cooperatives