JO’RAYEVA ZEBO. INSTITUTIONS THAT MATCH UP SAVERS AND BORROWERS HELP ENSURE THAT ECONOMIES FUNCTION SMOOTHLY. Лучшие интеллектуальные исследования, [S. l.], v. 28, n. 1, p. 338–343, 2024. Disponível em: https://web-journal.ru/journal/article/view/7397. Acesso em: 5 dec. 2025.