“BANK CREDIT AND LOAN WAIVERS: AN ANALYSIS OF THE EVIDENCE AND FUTURE DIRECTIONS” (2022) International Journal of Food and Nutritional Sciences, 11(11A ( Special Issue on Multidisciplinary), pp. 796–801. Available at: https://www.ijfans.org/index.php/Journal/article/view/9553 (Accessed: 8 August 2026).