YOHANA, H. .; GWAHULA, . R. Empirical Analysis on the Impact of Management Efficiency and Watch Loans on the Bankruptcy Rate of Community Banks in Tanzania: A Random Effect Model Approach. PAN-AFRICAN JOURNAL OF BUSINESS MANAGEMENT, [S. l.], v. 7, n. 1, 2023. DOI: 10.61538/pajbm.v7i1.1285. Disponível em: https://journals.out.ac.tz/index.php/pajbm/article/view/1285. Acesso em: 23 aug. 2025.