KRASNIQI, Armand. Informality in Credit Relations Between Banks and Business Entities . International Journal of Sciences: Basic and Applied Research (IJSBAR), Jordan, v. 25, n. 2, p. 172–179, 2016. Disponível em: https://www.gssrr.org/JournalOfBasicAndApplied/article/view/5189. Acesso em: 8 feb. 2026.