LUCAS ALMEIDA RIBEIRO; BEATRIZ OLIVEIRA SANTOS; RAFAEL HENRIQUE MARTINS; SOFÍA HERNÁNDEZ CASTILLO; CAMILA RODRÍGUEZ NAVARRO. Macroeconomic Scalar Adjustment for Probability of Default in Expected Credit Loss Models. Journal of Economics Business Industry, [S. l.], v. 3, n. 3, p. 165–178, 2026. DOI: 10.59976/jebin.v3i3.324. Disponível em: https://jurnaljepip.com/index.php/Jebin/article/view/324. Acesso em: 21 jul. 2026.