@misc{indiciae4532b18d4650,
  title = {Establishing and maintaining an efficient credit sales program.},
  author = {H A Smith and D C Huffman},
  year = {1977},
  doi = {10.1016/s0003-0465(16)34222-7},
  url = {https://pubmed.ncbi.nlm.nih.gov/874269/},
  note = {Source identifier: 874269}
}