Havidz, Hazimi Bimaruci Hazrati, and William Obeng-Amponsah. “Banking Industry Specific and Macroeconomic Determinant of Credit Risk”. International Journal of Advanced Engineering Research and Science 7, no. 1 (January 11, 2020). Accessed July 22, 2024. https://journal-repository.com/index.php/ijaers/article/view/1526.