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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 3, no. 2 (julio 5, 2017): 104–115. Accedido agosto 6, 2026. https://investigacion.utc.edu.ec/index.php/utciencia/article/view/47.