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\bibitem{Birhanu_etal2021} {\textquotedblleft}\textit{Determinants of commercial bank loan and advance disbursement : the case of private Ethiopian commercial banks}{\textquotedblright}. Birhanu T, Deressa SB, Azadi H, Viira A-H, Van Passel S, Witlox F, International journal of bank marketing \textbf{39}, 1227 (2021).   http://doi.org/10.1108/IJBM-05-2021-0166

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