Alananga, Samwel Sanga. “Sector Lending Concentration and Credit Risk: An Evaluation of Lender Perceptions in Tanzania”. International Journal of Banking and Finance 17, no. 2 (June 27, 2022): 115–151. Accessed September 28, 2026. https://e-journal.uum.edu.my/index.php/ijbf/article/view/15060.