Magpayo, Michaella Maryly, Neslie Martinez, Anne Floreine Virtucio, and Marie Antionette Rosete. “The IMPACT OF PLASTIC BANKING IN INCOME: A CASE STUDY OF THREE BARANGAYS IN NAGA CITY”. Journal of Industrial Engineering & Management Research 3, no. 1 (February 11, 2022): 107 - 146. Accessed October 27, 2025. https://www.jiemar.org/index.php/jiemar/article/view/263.