Impact of the economic downturn on the default rate of the bank’s customers. Journal of Academic Finance, [S. l.], v. 9, n. 1, p. 104–118, 2018. DOI: 10.59051/joaf.v9i1.115. Disponível em: https://www.scientific-society.com/AF/article/view/115. Acesso em: 4 feb. 2026.