John Joshua B. Abellera, Lea Mae E. Alvarado, Trisha Lei B. Dela Cruz, Roan Mae N. Ganuelas, and Melanie N. Gaudia, “Small Loans, Big Dreams: Micro-Entrepreneurs’ Loan Terms And Loan Performance Of Microfinance Institutions In The City Of San Fernando, La Union ”, ICONECOBIZ, vol. 1, no. 1, Sep. 2025.