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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, vol. 3, n.º 2, pp. 104–115, jul. 2017, Accedido: 6 de agosto de 2026. [En línea]. Disponible en: https://investigacion.utc.edu.ec/index.php/utciencia/article/view/47