Hjouji, Z., Bousraraf, Z., & Melghagh, M. (2026). A Systematic Review of the Literature on Bank Credit Risk Management in MENA Countries: Evolutions, Challenges, and Emerging Paradigms. International Journal of Research in Economics and Finance, 3(6-1), 39–54. https://doi.org/10.71420/ijref.v3i6-1.322