Ms. Champa Ramkrishna Parab, and Dr. M. R. Patil. “Sensitivity of Credit Risk to Bank Specific and Macro Economic Determinants: Empirical Evidence from Indian Banking Industry”. International Journal of Management Studies (IJMS), vol. 5, no. 2(3), Oct. 2021, pp. 46-56, https://researchersworld.com/index.php/ijms/article/view/1775.