MICHAEL, Justin Nelson. Co-Operative Credit Delinquency: Identification of Factors Discriminating Defaulters. Indian Journal of Finance, [S. l.], v. 5, n. 12, p. 19–25, 2011. Disponível em: https://www.indianjournalofcapitalmarkets.com/index.php/IJF/article/view/72465. Acesso em: 6 aug. 2025.