KUNDY, V. P.; SHAH, K. . Collateral Ownership as A Stepping Stone to Formal Credit Accessibility: A Perspective of Cottage Industry Owners . AFRICAN JOURNAL OF APPLIED RESEARCH, [S. l.], v. 11, n. 1, p. 722–745, 2025. DOI: 10.26437/ajar.v11i1.877. Disponível em: https://ajaronline.com/index.php/AJAR/article/view/877. Acesso em: 17 jan. 2025.