Sallam, M. A. M., & Sadraoui, T. (2025). Does Financial Inclusion Mitigate Banking Risks? A Comparative Study of Nonperforming Loans and Liquidity in MENA Countries. Journal of Cultural Analysis and Social Change, 10(3), 1356–1370. https://doi.org/10.64753/jcasc.v10i3.2606