Bnayat, Assil. “ Risk, Default, and Recovery in Islamic and Conventional Banks: A Cross-Country Empirical Investigation During the 2007 Financial Crisis: A Study of Default Probabilities and Recovery Rates Across Banking Models"”. Journal of Management and Financial Sciences, no. 56 (June 30, 2025): 71–95. Accessed December 5, 2025. https://econjournals.sgh.waw.pl/JMFS/article/view/4828.