de Jongh, R., Verster, T., Reynolds, E., Joubert, M., & Raubenheimer, H. (2017). A Critical Review Of The Basel Margin Of Conservatism Requirement In A Retail Credit Context. International Business & Economics Research Journal (IBER), 16(4), 257–274. https://doi.org/10.19030/iber.v16i4.10041