BUDHATHOKI, . . P. B. .; KARKI, M. .; LAMA, P. B. . Determinants of credit risk in lower-middle-income countries: Evidence from interest spread, efficiency, and macroeconomic factors . The Economics and Finance Letters, [S. l.], v. 12, n. 4, p. 743–756, 2025. DOI: 10.18488/29.v12i4.4618. Disponível em: https://archive.conscientiabeam.com/index.php/29/article/view/4618. Acesso em: 8 jan. 2026.