Khan, Nosheen, Muhammad Ramzan, Tasneem Kousar, and Muhammad Aqib Shafiq. “Impact of Bank Specific Factors on Credit Risk: Evidence from Islamic and Conventional Banks of Pakistan”. Pakistan Journal of Humanities and Social Sciences 11, no. 1 (March 31, 2023): 580–592. Accessed August 2, 2025. https://www.journals.internationalrasd.org/index.php/pjhss/article/view/1254.