Pizarro-Cárdenas, V., & Álvarez-Plúa, H. (2023). Credit Risk and its Effects on the Credit Portfolios of Savings and Credit Cooperatives in Guayaquil 2021-2022 . 593 Digital Publisher CEIT, 8(4), 334-345. https://doi.org/10.33386/593dp.2023.4.1952