AN ANALYSIS OF PERSONAL AND MANAGERIAL CHARACTERISTICS OF PERUVIAN SMALLHOLDERS AS AN ALTERNATIVE APPROACH TO IMPROVE THEIR FINANCIAL INCLUSION. Nativa, [S. l.], v. 14, n. 2, p. e20425, 2026. DOI: 10.31413/nat.v14i2.20425. Disponível em: https://periodicoscientificos.ufmt.br/ojs/index.php/nativa/article/view/20425. Acesso em: 4 jun. 2026.