@article{ALIKAEVA2017lending,
author={ALIKAEVA, M.V. and Oborin, M.S. and NALCHADZHI, T.A. and Gvarliani, T.E.},
title={LENDING TO INDIVIDUALS BY COMMERCIAL BANKS IN KABARDINO-BALKAR REPUBLIC:  CURRENT STATE},
journal={Services in Russia and abroad},
publisher={Russian State University of Tourism and Service},
year={2017},
pages={82-92},
volume={11},
issue={5},
}