GUSMÃO, M.; M.SI, K. M.; MM, L. X. L. E. Analyzing the Impact of Service Quality, Credit Procedures, and Interest Rates on Customer Credit Decisions at Bank Mandiri Dili Timor-Leste . Journal of Digitainability, Realism & Mastery (DREAM), [S. l.], v. 2, n. 12, p. 91–118, 2023. DOI: 10.56982/dream.v2i12.169. Disponível em: https://dreamjournal.my/index.php/DREAM/article/view/169. Acesso em: 17 jun. 2025.