The effect of using the risk-adjusted rate of return on capital in risk management on profitability (with loan quality as a supporting variable) "An applied study on Libyan commercial banks from an accounting perspective". ESJ [Internet]. 2024 Mar. 31 [cited 2025 Dec. 7];7(1):358-43. Available from: https://elc2.su.edu.ly/index.php/esj/article/view/2716