MICROFINANCE SERVICES PROPOSED MODEL FOR SOLVING THE PROBLEM OF LACK OF ACCESS TO FINANCIAL SERVICES IN DEVELOPING COUNTRIES (Article published in Spanish). estud.gerenc. [Internet]. 2010 Sep. 30 [cited 2026 Oct. 21];26(116):37-62. Available from: https://webcache.icesi.edu.co/revistas/index.php/estudios_gerenciales/article/view/368