T. Spaseska, D. Odzaklieska, and A. Risteska-Jankuloska, “NON-PERFORMING LOANS AND BANKS’ PROFITABILITY:EVIDENCE FROM NORTH MACEDONIA”, Horiz Int Sci J, vol. 31, no. 2, pp. 87–98, Dec. 2022, doi: 10.20544/HORIZONS.A.31.2.22.P07.