ANALYSIS OF CREDIT PREREQUISITES (CHARACTER, CAPACITY, CAPITAL AND CONDITION OF ECONOMY) ON CREDIT QUALITY IN MICROFINANCE INSTITUTIONS "KAEBAUK INVESTIMENTU NO FINANSA (KIF) SA". TORBIN. 2024;1(01):81-103. Accessed August 29, 2026. https://jurnal.iob.edu.tl/index.php/torbin/article/view/5