Sana Rafique, Tayyaba Irum Shakil, and Saima Iram. “AI-Powered Financial Distress Prediction Model for Pakistani SMEs: A Machine Learning Approach With Explainability and Interpretability”. ACADEMIA International Journal for Social Sciences 4, no. 4 (November 3, 2025): 1697–1708. Accessed November 4, 2025. https://academia.edu.pk/index.php/Journals/article/view/1023.