Ghawth, Ghaleb, et al. “Relationship Between Credit Risk and Return on Assets in Yemeni Banks Using Panel Data Models for the Period (2004 - 2020)”. Edelweiss Applied Science and Technology, vol. 9, no. 12, Dec. 2025, pp. 351-63, doi:10.55214/2576-8484.v9i12.11367.