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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” (2017) Revista UTCiencia: i-ISSN: 1390-6909. e-ISSN: 2602-8263, 3(2), pp. 104–115. Available at: https://investigacion.utc.edu.ec/index.php/utciencia/article/view/47 (Accessed: 6 August 2026).