SHIKU, U. O.; SIWALE, J.; KAWONGA, T.; KALENGA, H.; SALASINI, A.; DAKA, F. Advanced Loan Modeling in Excel: Integrating What-If Analysis and Optimization for Smarter Lending. Journal of Education, Management and Development Studies, [S. l.], v. 5, n. 1, p. 1–18, 2025. DOI: 10.52631/jemds.v5i1.362. Disponível em: https://journals.cspc.edu.ph/index.php/jemds/article/view/362. Acesso em: 6 mar. 2026.