BAKAR, M.; YAHAYA, S.; MANSOR, N. Critical Success Factors in Sustainable Credit Risk Model Among Manufacturing Companies in Malaysia. International Journal of Human and Technology Interaction (IJHaTI), [S. l.], v. 3, n. 2 October, p. 69–74, 2019. Disponível em: https://ijhati.utem.edu.my/ijhati/article/view/5495. Acesso em: 26 mar. 2026.