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 6, no. 3 (mars 19, 2025): 397–414. Consulté le octobre 26, 2026. https://revue.ijafame.com/index.php/home/article/view/1766.