KRISHNA GOSWAMI, SAPNA RAJURKER, DR. SADAF KHAN. Credit Risk Assessment in Commercial Banks: An Empirical Study of Assessment Tools, Institutional Practices, and Determinants of Non-Performing Assets. International Journal of Research & Technology, [S. l.], v. 14, n. 3, p. 482–494, 2026. Disponível em: https://ijrt.org/j/article/view/1691. Acesso em: 22 sep. 2026.