Sule, Dr. Bipin, and Dr. SaiKiran Oruganti. “Impact Assessment of Intelligent Learning Systems on Credit Discipline and Micro-Enterprise Development”. International Journal on Research and Development - A Management Review, vol. 14, no. 2, June 2025, pp. 168-77, https://journals.mriindia.com/index.php/ijrdmr/article/view/1755.