Hojjati, Sadegh, Naderian, Arash, Ashrafi, Majid, Gorganli Doji, Jamadordi. “Presenting Evolutionary Model of Borrowing Sales using Collective Intelligence and Bird Flight Algorithm.” Journal of System Management, vol. 10, no. 2, 2024, pp. 1-16. 10.30495/jsm.2023.1996315.1876