Purba, J.R.A., Muftikhali, Q.E. and Josaphat, B.P. 2023. Reducing Lending Risk: SVM Model Development with SMOTE for Unbalanced Credit Data. International Journal on Information and Communication Technology (IJoICT). 9, 2 (Dec. 2023), 150-161. DOI:https://doi.org/10.21108/ijoict.v9i2.860.