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) 5, no. 2(3) (October 27, 2021): 46–56. Accessed December 4, 2025. https://researchersworld.com/index.php/ijms/article/view/1775.