NURMUKHAMMEDOV , Abdijabbar. DETERMINANTS OF NON-PERFORMING LOANS IN SERVICE SECTOR LENDING AND CREDIT RISK MITIGATION MECHANISMS. ECONOSCITECH INTEGRATION, [S. l.], v. 3, n. 5, 2026. DOI: 10.5281/zenodo.20632184. Disponível em: https://econoscitech-integration-journal.uz/index.php/journal/article/view/150. Acesso em: 15 sep. 2026.