Marzouki, M. M. ., J. . Yemmen, and R. . Baccouche. “The Impact of Taking into Account Information Asymmetries and the Credit Market Structure in the Assessment of Borrowers’ Credit Worthiness: Case of Tunisia”. Journal of Reviews on Global Economics, vol. 12, Dec. 2023, pp. 28-49, http://lifescienceglobalca.com/index.php/jrge/article/view/9451.