Islam, Md. Shahidul, and Shin-Ichi Nishiyama. “Non-Performing Loans of Commercial Banks in South Asian Countries: Adverse Selection and Moral Hazard Issues”. Asian Economic and Financial Review 9, no. 9 (October 3, 2019): 1091–1106. Accessed April 29, 2024. https://archive.aessweb.com/index.php/5002/article/view/1860.