Balla, Rezana, and Alketa Elezi. “Impact of Legal Incentives on ‘Credit Fraud’ Criminal Offence”. European Journal of Multidisciplinary Studies 6, no. 2 (December 20, 2021): 84–93. Accessed December 17, 2025. https://www.revistia.com/index.php/ejms/article/view/2432.