GIVA, M. A.; LUY, J.-M.; SEGUI, M. E. HIDDEN MARKOV REPRESENTATION OF MICROCREDIT. Journal of the Indonesian Mathematical Society, [S. l.], v. 30, n. 2, p. 218–235, 2024. DOI: 10.22342/jims.30.2.1782.218-235. Disponível em: https://jims-a.org/index.php/jimsa/article/view/1782. Acesso em: 14 dec. 2024.