References
Abel, S., Mukarati, J., Jeke, L., & Le Roux, P. (2023). Credit risk and bank profitability in Zimbabwe: An ARDL Approach. International Journal of Economics and Finance Studies, 15, 370-385. Abubakar, A. A., Tobi, O. B. & Habib, A. A. (2020). Effect of credit risk management on financial performance in listed microfinance banks in Nigeria. Research Journal of Finance and Accounting, 11(18), 107-114. Adeleke, I., & Akomolafe, J. (2021). Determinants of credit risk in microfinance bank loans: Evidence from Nigeria. International Journal of Economics, Commerce and Management, 9(3), 54-64. Adelowokan, O. A., & Akinlo, A. E. (2021). Credit risk management and financial performance of microfinance institutions in Nigeria: Does Size Matter? Heliyon, 7, 1-14. Adeoye, A. O., Egbetokun, A. A., Ogunmola, O. Y., & Fasanya, I. O. (2020). Credit risk management and financial performance of microfinance institutions in Nigeria. Journal of Financial Economic Policy, 12, 777-796. Adeyemi, K. S., Oladipupo, O. A., & Ilesanmi, O. A. (2021). Credit Risk Management Practices and Financial Performance of Microfinance Institutions in Nigeria. Journal of African Business, 8, 1-19. Afolabi, T. S., Obamuyi, T. M., & Egbetunde, T. (2020). Credit Risk and Financial Performance: Evidence from Microfinance Banks in Nigeria. 11(1), 8–15. Agbamuche, F. A., Abdulmalik, A. Y. & Halima, S. (2021). The effects of credit risk on the financial performance of quoted deposit money banks. International Journal of Management, Social Sciences, Peace and Conflict Studies (IJMSSPCS), 5(2), 75-85. Agbana, J., Bukoye, J. A., & Arinze-Emefo, I. C. (2023). Impact of credit risk management on the financial performance of microfinance institutions in Nigeria: A Qualitative Review. Open Journal of Business and Management, 11, 2051-2066. Ahsan, M.K (2016). Measuring financial performance based on CAMEL: A study on selected Islamic banks in Bangladesh. Asian Business Review, 6(1), 47-54. Almekhlafi, E., Almekhlafi, K., Kargbo, M. & Hu, X. (2016). A Study of Credit Risk and Commercial Banks’ Performance in Yemen: Panel Evidence. Journal of Management Policies and Practices, 4(1), 57-69. Almshabbak, A. N. S., & Chouaibi, J. (2023). Measuring the level of voluntary disclosure in commercial banks and its effect on improving financial performance: An applied study on number of commercial banks in the Iraqi Stock Exchange. International Journal of Professional Business Review, 8, 09-27. Anwer, S. A., Hamad, H. A., Ibrahim, H. K., Gardi, B., Hamza, P. A., Othman, R. N., Qader, K. S., & Hamad, K. Q. (2023). The role of credit risk management in performance of commercial banks: analysis of commercial banks’ performance in Erbil. Qalaai Zanist Journal, 8, 1172-1193. Ayeni, R. K., & Fatungase, T. O. (2020). An empirical analysis of non-performing loans and financial performance in Nigerian microfinance banks. Journal of Risk and Financial Management, 13(6), 116. Balogun, M. M., & Suraju, S. O. (2021). Credit risk and financial performance of microfinance institutions: empirical evidence from Nigeria. Journal of Small Business and Entrepreneurship, 33(5), 443-463. Bhatt, T. K., Ahmed, N., Iqbal, M. B., & Ullah, M. (2023). Examining the determinants of credit risk management and their relationship with the performance of commercial banks in Nepal. Journal of Risk and Financial Management, 16, Article No. 235. Bhattarai (2019). Effect of credit risk management on financial performance of commercial banks in Nepal. European Journal of Accounting, Auditing and Finance Research, 7(5), 87- Bhattarai, Y.R. (2016). The effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1),41-62. Bimaruci, H., Havidz, H., & Obeng-amponsah, W. (2020). Banking Industry Specific and Macroeconomic Determinant of Credit Risk. 6495(1). Bouteille, S. & Coogan-Pushner, D. (2021). The handbook of credit risk management: Originating, assessing, and managing credit exposures . John Wiley & Sons. Cheng, L., Nsiah, T. K., Charles, O., & Ayisi, B. L. (2020). Credit risk , operational risk , liquidity risk on profitability . A study on South Africa commercial. XXIX(5), 5–18. Dai, J., Hu, N., Huang, R. & Yan, Y. (2023). How does credit risk affect cost management strategies? Evidence on the initiation of credit default swap and sticky cost behaviour. Journal of Corporate Finance, 80, Article ID: 102401. De Carvalho, V. F., & Lobo, M. S. (2019). Risk management in microfinance institutions: The influence on their financial performance. Cuadernos de Economía, 42(116), 185-200. Dube, H., & Kwenda, F. (2023). Credit risk management and the financial performance of microfinance institutions in Southern Africa. The Journal of Developing Areas, 57, 145- Duho, K. C. T., Duho, D. M., & Forson, J. A. (2023). Impact of income diversification strategy on credit risk and market risk among microfinance institutions. Journal of Economic and Administrative Sciences, 39, 523-546. Echobu, J., & Philomena, O. N. (2019). Credit risks and financial performance of nigerian banking industry. Journal of Administrative Sciences 2(1), 44–57. Ekinci, R. & Poyraz,G. (2019). The effect of credit risk on financial performance of deposit banks in Turkey. Procedia Computer Science, 1877-0509. Embaye, Chenyan & Abderaman (2017). The impact of credit risk management on financial performance of commercial banks: Evidence from Eritrea. Research Journal of Finance and Accounting, 8(19), 314-327. Hasan, I., Kobeissi, N., & Liu, L. (2018). The impact of credit risk management on profitability of commercial banks: A case study of listed banks in China. Journal of Risk and Financial Management, 11(1), 5-19. Hermuningsih, S., Sari, P. P., & Rahmawati, A. D. (2023). The moderating role of bank size: Influence of fintech, liquidity on financial performance. Jurnal Siasat Bisnis, 27, 106- Hundal, A.K. & Singh, M (2016). Performance evaluation of public and private sector banks in India: A comparative study. Indian Journal of Research, 5(4), 237-242. Khan, N., Ramzan, M., Kousar, T., & Shafiq, M. A. (2023). Impact of bank specific factors on credit risk: Evidence from Islamic and conventional banks of Pakistan. Pakistan Journal of Humanities and Social Sciences, 11, 580-592. Kwashie, A. A., Baidoo, S. T., & Ayesu, E. K. (2022). Investigating the impact of credit risk on financial performance of commercial banks in Ghana. Cogent Economics & Finance, 10, Article ID: 2109281. https://doi.org/10.1080/23322039.2022.2109281 Lee, T., & Wu, Y. (2019). Machine Learning for Credit Risk Analysis. Journal of Risk and Financial Management, 13(7), 142. Salem, J. & Jamil, O. (2021). The impact of credit risk management on the financial performance of United Arab Emirates commercial banks. International Journal of Research in Business and Social Science, https://doi.org/10.20525/ijrbs.v10i3.1102. Saravia-Matus, S. L., & Smith, J. E. (2020). Artificial intelligence in credit risk management: State-of-the-art and future directions. Journal of Risk and Financial Management, 13(2), 23-33. Sulemana, I., Davor, D., & Esiawonam, O. (2018). Credit risk and financial stability of microfinance institutions in Ghana. International Journal of Engineering Business Management, 10, 1-12.
