ANALYSIS OF CREDIT PREREQUISITES (CHARACTER, CAPACITY, CAPITAL AND CONDITION OF ECONOMY) ON CREDIT QUALITY IN MICROFINANCE INSTITUTIONS "KAEBAUK INVESTIMENTU NO FINANSA (KIF) SA". TORBIN [Internet]. 2024 Nov. 24 [cited 2026 Aug. 29];1(01):81-103. Available from: https://jurnal.iob.edu.tl/index.php/torbin/article/view/5