Lucas Almeida Ribeiro, Beatriz Oliveira Santos, Rafael Henrique Martins, Sofía Hernández Castillo and Camila Rodríguez Navarro 2026. Macroeconomic Scalar Adjustment for Probability of Default in Expected Credit Loss Models. Journal of Economics Business Industry. 3, 3 (Mar. 2026), 165–178. DOI:https://doi.org/10.59976/jebin.v3i3.324.