List of Articles Credit Scoring Open Access Article Abstract Page Full-Text 1 - Using the Hybrid Model for Credit Scoring (Case Study: Credit Clients of microloans, Bank Refah-Kargeran of Zanjan, Iran) Abdollah Nazari Mohammadreza Mehregan Reza Tehrani 10.22094/joie.2019.574793.1583 20.1001.1.22519904.2019.12.2.6.5