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Incidencia de los créditos de banca comunal en el bienestar material de los habitantes de la ciudad de Ibarra, parroquia el Sagrario en los Años 2012 y 2013. UTCiencia. 2017;3(2):104-115. Accessed August 6, 2026. https://investigacion.utc.edu.ec/index.php/utciencia/article/view/47