List of Articles abdollah nazari Article 1 - Using the Hybrid Model for Credit Scoring (Case Study: Credit Clients of microloans, Bank Refah-Kargeran of Zanjan, Iran) 20.1001.1.22519904.2019.12.2.6.5 10.22094/joie.2019.574793.1583 Abdollah Nazari Mohammadreza Mehregan Reza Tehrani Journal of Optimization in Industrial Engineering , Issue 26 , Year , Autumn 2019