@article{
  author = {Nazari, Abdollah, Mehregan, Mohammadreza, Tehrani, Reza},
  title = {Using the Hybrid Model for Credit Scoring (Case Study: Credit Clients of microloans, Bank Refah-Kargeran of Zanjan, Iran)},
  journal = {Journal of Optimization in Industrial Engineering},
  year = {2019},
  volume = {12},
  number = {2},
  pages = {65-78},
  doi = {10.22094/joie.2019.574793.1583}
}