BANKRUPTCY PREDICTION: SMES IN THE HOSPITALITY INDUSTRY . International Journal of Banking and Finance, [S. l.], v. 16, n. 2, p. 51–80, 2021. DOI: 10.32890/ijbf2021.16.2.3. Disponível em: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/13093. Acesso em: 11 nov. 2025.