IHTESHAM KHAN, SAFFA and DR. ADNAN AHMAD 2021. Microeconomic and Social Factors as Determinants of NonPerforming Loans: Based on Opinion of Pakistani Bankers. Journal of Business & Tourism. 3, 1 (Nov. 2021), 99–112. DOI:https://doi.org/10.34260/jbt.v3i1.64.