LÓPEZ RIVERA, Edwin; MANRIQUE CHAPARRO, Olga Lucia; KALMANOVITZ KRAUTER, Salomón. «Gota a Gota» Loans in Bogotá: An Analysis of Needs, Cognitive Biases, and Financial Exclusion. Apuntes. Social Sciences Journal, [S. l.], v. 53, n. 101, 2026. DOI: 10.21678/apuntes.101.2604. Disponível em: https://revistas.up.edu.pe/apuntes/article/view/2604. Acesso em: 12 sep. 2026.