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Bereputasi** beri √ pada kategori yang tepat Jurnal Ilmiah Nasional Terakreditasi Jurnal Ilmiah Nasional/ Nasional Terindeks di DOAJ, CABI, COPERNICUS** Hasil Penilaian Peer Review :

Game theory analysis on credit risk assessment in E-commerce Zhang Nanaa,b,*, Wei Xiujiana, Zhang Zhongqiuc aSchool of Economics and Finance, Xi’an Jiaotong University, Xi’an,

Conclusion The increase in non-performing loans for MSMEs and MSM was influenced by weakening economic activity due to the COVID-19 pandemic, which triggered a decline in credit

˜—œ›žŒ’˜— śǯȱ‘Ž›œ NPL Ratio Logit transf, L2 ŖǯŖśŘ ŖǯŖŞŜ *** ŖǯŖŜŝ * Ŗǯŗśś *** ŖǯŖŚŜ ǻŖǯŖřŚǼ ǻŖǯŖřŗǼ ǻŖǯŖřŚǼ ǻŖǯŖŚŖǼ ǻŖǯŖŘşǼ NPL Ratio Logit transf, L1 ŖǯŝŞŘ *** ŖǯŝŘŚ ***

FX foreign exchange FYC forward yield curve GEV generalized extreme value GPD Generalized Pareto Distribution GSF granularity scaling factor IDR implied debenture rating IIF Institute