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 14, no. 2 (June 20, 2025): 168–177. Accessed March 9, 2026. https://journals.mriindia.com/index.php/ijrdmr/article/view/1755.