Martha, J. et al. 2026. Application Of The C4.5 Method Based On K-Means Segmentation For Loan Risk Classification At Savings And Loan Cooperative . MULTITEK INDONESIA : JURNAL ILMIAH. 20, 1 (Jul. 2026), 116–127. DOI:https://doi.org/10.24269/mtkind.v20i1.13856.