Kongarala. Kesava Narasimha Rao, and K Susmitha. 2026. “A Study on Effectiveness of Credit Appraisal Practices in Financial Services Providers ”. Journal of Advanced Research in Operational and Marketing Management 9 (1):92-99. https://www.adrjournalshouse.com/index.php/Journal-OperationalMarketing-Mgt/article/view/2835.