Kowanji, M. M. N., and N. M. T. Saedi Al-Hakim. “The Sequential Effect of a Number of Credit Determinants on Reducing Credit Default through the Amount of Cash Credit”. Academic Journal of Nawroz University, vol. 9, no. 2, June 2020, pp. 152-71, doi:10.25007/ajnu.v9n2a719.