“ANALYSIS OF CREDIT PREREQUISITES (CHARACTER, CAPACITY, CAPITAL AND CONDITION OF ECONOMY) ON CREDIT QUALITY IN MICROFINANCE INSTITUTIONS ‘KAEBAUK INVESTIMENTU NO FINANSA (KIF) SA’”, TORBIN, vol. 1, no. 01, pp. 81–103, Nov. 2024, Accessed: Aug. 29, 2026. [Online]. Available: https://jurnal.iob.edu.tl/index.php/torbin/article/view/5