REGMI, Giriraj. Centralized credit decision-making, operational efficiency, and credit risk: Evidence from Agricultural Development Bank Limited (ADBL), Nepal. Economic Review of Nepal, [S. l.], v. 9, n. 1, p. 78–96, 2026. DOI: 10.3126/ern.v9i1.96152. Disponível em: https://www.nepjol.info/index.php/ern/article/view/96152. Acesso em: 20 jul. 2026.