Chang, Y. T. (2006). Role of non-performing loans (NPLs) and capital adequacy in banking structure and competition. Retrieved from: www.bath. ac.uk/management/research/pdf/2006-16.pdf.
Haan, J. & Sturm, J. (2006). How to handle economic freedom. Econ Journal Watch, 3(3), 407- 4011.
Hou, Y. (2007). The non-performing loans: Some bank-level evidence. Retrieved from: www.qass.org.uk/4thAFEQASSConferencePapers /Hou.doc.
Kahn, J. A. (2011). Can we determine the optimal size of government? Development Briefing Paper, No. 7, The Cato Institute. Retrieved from: www.cato.org/publications.
Komijani, A. & Salatin, P. (2010). The effect on the quality of governance and economic growth in selected countries neighboring Turkey, Iran and Pakistan. Journal of Management, 20(7), 41-27.
Mohammad-Zadeh, R., Zibaei, M. & Bakhshodeh, M. (2007). The optimal size of government, with emphasis on agriculture in selected countries. Journal of Economics and Agricultural Development, 60(15), 124-103.
Mogens, K. J. (2008). The effect of economic freedom on growth revisited: New evidence on causality from a panel of countries 1970–1999. European Journal of Political Economy, 24(3), 642–660.
Piri, M. & Karbasi, A. (2009). Investigation of the relationship between free trade and economic growth. Journal of Knowledge and Development. 27(16), 160-145.
Radpour, M. (2011). Mechanism for measuring and managing credit risk in banks' financing and investment proceedings(2nd ed.),Tehran, Iran.
Salimi Far, M., Khodaparast Mashhadi, M., Samadi, S. & Hoshmand, M. (2009). Protection of intellectual property rights, on economic growth. Type text or a website address or
translate a document.
Journal of Quantitative Economics, 6(4), 123-101.
Sanei, M. (2006). Good governance, The concept of new public management. Journal of Prudence, 178(17), 33-26.
Sufian, F. & Abdul Majid, M. Z. (2011). The nexus between economic freedom & Islamic bank performance: Empirical evidence from the MENA banking sectors. 8th International Conference on Islamic Economics & Finance, Retrieved from: www.iefpedia. com/english/?p=6649.
Sufian, F. & Kabir Hassan, M. (2010). Economic freedom & bank intermediation spreads: Do countries level of economic development make a difference? Retrieved from: http://ssrn.com/ abstract=1931090.
Sufian, F. & Shah Habibullah, M. (2010). Has economic freedom fostered bank performance? Panel evidence from china. China Economic Journal, 3(3), 255-279.
Vali-nejad, M. (2004). The role and responsibilities of the financial institutions and banks in the economy. Journal of Economics Database, 47(2), 46-41.
Wah Low, S., Ghazali, N. A., Ramlee, S. & Mohd said, R. (2010). Economic freedom & banking development: The experiences of selected East Asian countries. Journal Pengurusan, Retrieved from: www. Journalarticle.ukm.my/1774
)