F. Y. Malla Alvarado, L. G. Salinas Rojas, A. J. Neira Paredes, and C. A. Rodríguez Armijos, “Financial risk as an inherent instrument in lending activities”, Tesla rev. cient., vol. 3, no. 2, p. e200, Jul. 2023, doi: 10.55204/trc.v3i2.e200.