Davcev, Ljupco, Mila Mitreva, and Aleksandar Davcev. “THE FINANCIAL SYSTEM AND ITS END USERS”. KNOWLEDGE - International Journal 61, no. 1 (December 10, 2023): 141–146. Accessed June 13, 2026. https://ojs.ikm.mk/index.php/kij/article/view/6395.