ABDELAZIZ, H.; HICHEM, D.; WAFA, K. Universal Banking and Credit Risk: Evidence from Tunisia. International Journal of Economics and Financial Issues, [S. l.], v. 2, n. 4, p. 496–504, 2012. Disponível em: https://www.econjournals.com/index.php/ijefi/article/view/266. Acesso em: 24 sep. 2022.