Istanti, Enny, et al. “ONLINE LOAN GROUPING ANALYSIS OF FINANCIAL TECHNOLOGY (FINTECH) PLATFORM-BASED FOR MSMES IN INDUSTRY 4.0 WITH NAÏVE BAYES STATISTICAL METHOD”. International Journal of Economics, Business and Accounting Research (IJEBAR), vol. 4, no. 4, Dec. 2020, doi:10.29040/ijebar.v4i4.1642.