Nkomo, Dingilizwe Jacob, Union Chiwandamira, and Peter Mazuruse. “Estimating Default Risk of Bank Loans in Zimbabwe Using the Mover-Stayer Model”. Asian Journal of Economic Modelling 6, no. 3 (May 14, 2018): 220–234. Accessed May 3, 2024. https://archive.aessweb.com/index.php/5009/article/view/316.