SAVON, Zakaria. The impact of macroeconomic conditions on credit risk in the Moroccan banking system: empirical evidence from the ARDL model and the Toda-Yamamoto test. International Journal of Accounting, Finance, Auditing, Management and Economics, [S. l.], v. 6, n. 3, p. 397–414, 2025. Disponível em: https://ijafame.org/index.php/ijafame/article/view/1817. Acesso em: 21 sept. 2026.