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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. Revista UTCiencia: i-ISSN: 1390-6909. e-ISSN: 2602-8263, [S. l.], v. 3, n. 2, p. 104–115, 2017. Disponível em: https://investigacion.utc.edu.ec/index.php/utciencia/article/view/47. Acesso em: 6 aug. 2026.