SAVON, Zakaria. The impact of macroeconomic conditions on credit risk in the Moroccan banking system: empirical evidence from the ARDL model and the Toda-Yamamoto test. International Journal of Accounting Finance Auditing Management and Economics, [S. l.], v. 6, n. 3, p. 397–414, 2025. Disponível em: https://revue.ijafame.com/index.php/home/article/view/1766. Acesso em: 27 oct. 2026.