GALLARDO, M.; BAUTISTA, R. M. Macroeconomic and Bank Specific Risk Determinants of Credit Losses in the Philippine Setting: A Panel FMOLS Approach. Bedan Research Journal, [S. l.], v. 11, n. 1, p. 118–157, 2026. DOI: 10.58870/berj.v11i1.93. Disponível em: https://bedanjournal.org/index.php/berj/article/view/93. Acesso em: 11 nov. 2026.