“Access to productive credit and its impact on the business growth of commercial SMEs in Guayaquil during the post-pandemic period 2022–2025” (2024) Frontiers of Knowledge, 3(4), pp. 34–47. Available at: https://revista.fronterasdelconocimiento.org/index.php/rfc/article/view/48 (Accessed: 14 October 2026).