Adverse Selection and Moral Hazard Effects in the Malaysian Credit Market: An Empirical Analysis. Malaysian Management Journal, [S. l.], v. 2, n. 1, p. 71–78, 1997. Disponível em: https://www.educationmalaysia.co.uk/index.php/mmj/article/view/8538. Acesso em: 10 nov. 2025.