de Jongh, R., T. Verster, E. Reynolds, M. Joubert, and H. Raubenheimer. “A Critical Review Of The Basel Margin Of Conservatism Requirement In A Retail Credit Context”. International Business & Economics Research Journal (IBER), vol. 16, no. 4, Oct. 2017, pp. 257-74, doi:10.19030/iber.v16i4.10041.