Nawaz, Muhammad, Alias Mat Nor, and Habibah Tolos. “The Moderating Role of Intellectual Capital Between Relationship of Bank Specific Factors and Credit Risk of Islamic Banks: Evidence from Pakistan”. SEISENSE Journal of Management 2, no. 4 (June 17, 2019): 79–87. Accessed November 1, 2026. https://stage.seisense.com/index.php/jom/article/view/173.