Okine, Abraham Nii Adu, and David Kwashie Garr. “The Effect of Macroeconomic and Bank-Specific Factors on the Level of Non-Performing Loans in Ghana: Panel Data Regression Analysis”. Ilomata International Journal of Tax and Accounting 5, no. 3 (July 8, 2025): 923-940. Accessed July 19, 2025. https://www.ilomata.org/index.php/ijtc/article/view/1733.