THE HUMAN DEVELOPMENT CREDIT (CDH) AND THE ENTERPRISES IN THE SOUTHERN GUASMOS OF THE CITY OF GUAYAQUIL, 2016-2020: Códigos JEL: D10, R23, R30. REFACE [Internet]. 2021 Nov. 30 [cited 2025 Dec. 15];3(3):131-52. Available from: https://revistas.ug.edu.ec/index.php/fce/article/view/478