Barrera Lievano, Jhony, and Sandra Parra. “Determining Factors for MSME’s Access to Credit Drop by Drop”. The Republican Journal 28, no. 28 (January 23, 2020): 217-236. Accessed April 3, 2025. https://urepublicana.edu.co/ojs/index.php/revistarepublicana/article/view/612.