Mohd ‘Atef Md Yusof, Murtala Aliyu Ibrahim,. «Intellectual Capital Efficiency and Credit Risk in Sub-Saharan African Banks». Opción 350 (junio 9, 2019): 1665-1693. Accedido mayo 14, 2025. https://mail.produccioncientificaluz.org/index.php/opcion/article/view/24096.