factor that impact its utilization in credit unions in the southwestern area of Puerto Rico Cabán Vargas , Gilberto. creator Pontificia Universidad Católica de Puerto Rico Escuela Graduada de Administración de Empresas. text bibliography pr 2010 monographic spa xviii,136 leaves ill. 29 cm specialized Gilberto Cabán Vargas. Tesis ( Doctor in Business Administration )-- Pontificia Universidad Católica de Puerto Rico,2010. Bibliography : leaves 117-121. Pontificia Universidad Católica de Puerto Rico. Dissertations Electronic commerce Internet Credit unions Puerto Rico PUCPR 20250711062715.0 302619