@base          <http://portalinvestigacion.consorciomadrono.es/> .
<publications/1422289>
        a                           <bibo:Document> ;
        <bibo:doi>                  "10.3390/jrfm18090501" ;
        <dcterms:created>           "2026-08-04T19:22:22.711Z"^^<http://www.w3.org/2001/XMLSchema#dateTime> ;
        <dcterms:issued>            "2025-01-01"^^<xsd:date> ;
        <dcterms:modified>          "2026-08-04T19:22:22.711Z"^^<http://www.w3.org/2001/XMLSchema#dateTime> ;
        <dcterms:title>             "Banking and Cooperatives in Ecuador: Comparative Evidence of Technical Efficiency and Financial Resilience" ;
        <obo:arg_2000028>           [ <obo:arg_2000029>  <publications/1422289> ;
                                      <rdf:type>         <vcard:Individual> ;
                                      <vcard:hasURL>     [ <rdf:type>   <vcard:URL> ;
                                                           <vcard:url>  <http://doi.org/10.3390/jrfm18090501>
                                                         ]
                                    ] ;
        <rdf:type>                  <bibo:AcademicArticle> ;
        <vivo:hasPublicationVenue>  [ <dcterms:title>             "Journal of Risk and Financial Management" ;
                                      <rdf:type>                  <bibo:Collection> ;
                                      <vivo:publicationVenueFor>  <publications/1422289>
                                    ] ;
        <vivo:relatedBy>            [ a  <vivo:Authorship> , <vivo:Relationship> ] .