Keya , S. Y.; Sultana, N.; Hasan, M. B.; Alamm, M. S.; Islam, M. A.; Sumaiya, U. Fair Credit Decision Assurance: An Ethical Governance Framework For AI-Based Credit Scoring in Bangladesh With Islamic Finance Duties. J. Econ. Finance Res. Rev. 2026, 2 (10), 693-704. https://doi.org/10.65150/EP-jefrr/V2E10/2026-02.