Micro family finances and savings rates: A Strategic Vision. Revista Universidad de Guayaquil, [S. l.], v. 117, n. 3, p. 29–44, 2013. DOI: 10.53591/rug.v117i3.867. Disponível em: https://revistas.ug.edu.ec/index.php/rug/article/view/383. Acesso em: 5 dec. 2025.