DETERMINANTS OF NET INTEREST MARGIN OF DEPOSITORY INSTITUTIONS IN NIGERIA: EVIDENCE FROM AUTO REGRESSIVE DISTRIBUTED LAG (ARDL) ESTIMATION MODEL. American Journal of Business Management, Economics and Banking, [S. l.], v. 44, p. 86–95, 2026. Disponível em: https://americanjournal.org/index.php/ajbmeb/article/view/3467. Acesso em: 10 may. 2026.