@article{paperid:1061471,
author = {Safay Nikoo, Hamid and Ahmadi Shadmehri, Mohammad Taher and Sabahi, Ahmad and Razmi, Seyed Mohammad Javad},
title = {Modeling the Effective Factors on Bank Loans Default Rate UsingDelphi, SEM and Tobit Techniques (Evidence from Iran)},
journal = {Modern Applied Science},
year = {2017},
volume = {11},
number = {4},
month = {January},
issn = {1913-1844},
pages = {13--22},
			numpages = {9},
keywords = {SME; loan default rate (DR); Delphi; SEM; Tobit},
}