SAVON Z. The impact of macroeconomic conditions on credit risk in the Moroccan banking system: empirical evidence from the ARDL model and the Toda-Yamamoto test. IJAFAME [Internet]. 19 mars 2025 [cité 27 oct. 2026];6(3):397-414. Disponible sur: https://revue.ijafame.com/index.php/home/article/view/1766