Sule, Dr. Bipin, and Dr. SaiKiran Oruganti. “A Conceptual Framework for Intelligent Learning Systems in Microfinance Education”. International Journal of Recent Advances in Engineering and Technology, vol. 15, no. 1, Mar. 2026, pp. 79-88, https://journals.mriindia.com/index.php/ijraet/article/view/1757.