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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. JEBIN [Internet]. 2026 Mar. 29 [cited 2026 Jul. 21];3(3):165-78. Available from: https://jurnaljepip.com/index.php/Jebin/article/view/324