DR ASHIDHA M. AN ANALYSIS OF T.Q.M PRACTICES IN THE BANKING SECTOR . International Educational Applied Scientific Research Journal, [S. l.], v. 11, n. 06, p. 31–35, 2026. DOI: 10.5281/zenodo.21241337. Disponível em: https://ieasrj.com/journals/index.php/ieasrj/article/view/613. Acesso em: 27 oct. 2026.