Reza Habibi, and Nastaran Taghi Zadeh. “Time Varing Behavior of Credit Risks and the Macroeconomic Environment”. Journal of Economics and Business Issues 2, no. 2 (July 31, 2022): 01–14. Accessed May 23, 2024. https://jebi-academic.org/index.php/jebi/article/view/36.