Shiku UO, Siwale J, Kawonga T, Kalenga H, Salasini A, Daka F. Advanced Loan Modeling in Excel: Integrating What-If Analysis and Optimization for Smarter Lending. J. Educ., Mngt., and Dev. Studies [Internet]. 2025 Mar. 30 [cited 2026 Mar. 6];5(1):1-18. Available from: https://journals.cspc.edu.ph/index.php/jemds/article/view/362