JOSHESKI, Dushko; MITEVA, Natasha; BOSHKOV, Tatjana. DTC-SBTC MODEL: OPTIMAL POLICIES, WAGE PREMIUM AND CREDIT RATIONING. Challenges of Tourism and Business Logistics in the 21st Century, [S. l.], v. 9, n. 1, p. 29–72, 2026. DOI: 10.46763/YFNTS269131j. Disponível em: https://js.ugd.edu.mk/index.php/YFNTS/article/view/8151. Acesso em: 9 sep. 2026.