Atribución-NoComercial-SinDerivadas 4.0 Internacional (CC BY-NC-ND 4.0)Ruth Alejandra González Gordillo2026-07-072026-07-072024-03-14https://bibliotecadigital.sire.gov.co/handle/idiger/7760510application/pdfspahttps://creativecommons.org/licenses/by-nc-nd/4.0/Informe de investigacióninfo:eu-repo/semantics/openAccess2024ER4198Riesgo Estructuralhttp://purl.org/coar/access_right/c_abf2