bankruptcy Bankruptcy prediction 1 Classification (of information) 1 Classification analysis 1 Digital storage 1 Forecasting 1 In-sample prediction 1 K-nearest neighbours 1 Nearest neighbor search 1 Predictive performance 1 Reference point method 1 Risk assessment 1 Risk class 1 SMEs 1 Sample classification 1 Shariah 1 financial distress 1 gold-silver 1 inconvertible paper 1 inflation 1 k-nearest neighbour classifier 1 money 1 operating cash flow 1 out-of-sample prediction 1 reference point method classifier 1 risk class prediction 1 survival analysis 1