Pizarro-Cárdenas, Víctor, and Hugo Álvarez-Plúa. 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):334-45. https://doi.org/10.33386/593dp.2023.4.1952.