Gabrielyan, Tigran. “The Socio-Economic Consequences of Risky Loans in the Republic of Armenia”. Bulletin of Yerevan University G: Economics 12, no. 2 (35) (September 15, 2021): 66–78. Accessed January 23, 2026. https://journals.ysu.am/index.php/bulletin-ysu-economics/article/view/vol12_no2_2021_pp066-078.