Sacsac, K. F. (2026). Examining the interplay dynamics of business profile, credit risk management practices, problems encountered in CRM, and financial performance of the sari-sari store in Laoag City. Divine Word International Journal of Management and Humanities (DWIJMH) (ISSN: 2980-4817), 5(1), 2832–2860. https://doi.org/10.62025/dwijmh.v5i1.250