Syed Yousaf Hassan, Dr. Hakim Ali Mahesar, and Usman Masood. “DETERMINANTS OF INTERNAL AND EXTERNAL FACTORS OF NON – PERFORMING LOANS OF LOCAL COMMERCIAL BANKS”. International Journal of Contemporary Issues in Social Sciences 3, no. 2 (June 29, 2024): 2672–2683. Accessed September 16, 2024. http://ijciss.org/index.php/ijciss/article/view/1011.