List of Articles debt ratio Open Access Article Abstract Page Full-Text 1 - The effect of leverage ratios customers on credit risk in Iranian Banks using mixed effects model (fixed and random) Teimor Mohammadi Hadi Johari Open Access Article Abstract Page Full-Text 2 - The Effect of Financing Policies on the Agency Cost Hosein Jabbari Halimeh Rahmani Mohammadali Vafapor