Proposed Enhancement Program for Creditors and Borrowers Based on Risk Management Insights in Client Appraisal. University of Bohol Multidisciplinary Research Journal, [S. l.], v. 13, n. 1, p. 90–105, 2025. DOI: 10.15631/ubmrj.v13i1.237. Disponível em: https://ub-urc.ph/index.php/ubmrj/article/view/237. Acesso em: 1 may. 2025.