MONZEGLIO, O. US APR vs EU APR, and the Substitute Tax on Loan Effects on These Formulas. Journal of Applied Business and Economics, [S. l.], v. 24, n. 3, 2022. Disponível em: https://articlearchives.co/index.php/JABE/article/view/2560. Acesso em: 20 sep. 2025.