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 6, no. 3 (mars 19, 2025): 397–414. Consulté le septembre 21, 2026. https://ijafame.org/index.php/ijafame/article/view/1817.