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        Journal: Risks, 2021
        Volume: 9 
                	Number: 219 
                
        
        Article:
        Drivers of Individual Credit Risk of Retail Customers—A Case Study on the Example of the Polish Cooperative Banking Sector 
        Authors: 
       	by
                    Rafał Balina and Marta Idasz-Balina        
        Link:
        https://www.mdpi.com/2227-9091/9/12/219
        
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