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https://www-sciencedirect-com.bdbiblioteca.ufps.edu.co/science/article/pii/S0186104217300050

https://www-sciencedirect-com.bdbiblioteca.ufps.edu.co/science/article/pii/S0123592315000790

(Scherr, 2003)

Scherr, H. y. (2003). Determinants of the collateralization of credit by small firms. Managerial and
Decision Economics.

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