id	keyword
ijtc-723	credit
ijtc-723	ifrs
ijtc-723	default
ijtc-723	model
ijtc-723	risk
ijtc-723	loss
ijtc-723	credit risk
ijtc-723	accounting
ijtc-723	portfolio
ijtc-723	probability
ijtc-723	https://www.ilomata.org/index.php/ijtc
ijtc-723	study
ijtc-723	exposure
ijtc-723	case
ijtc-723	journal