Mukulu , Jack Bbabbi, and Abubaker Qutieshat. “Brief Review of Informal Financial Services Typologies in Zambia: Investing in Sustainable Savings Groups”. Journal of Humanities and Social Sciences Studies 3, no. 12 (January 7, 2022): 54–61. Accessed April 4, 2026. https://al-kindipublishers.org/index.php/jhsss/article/view/2634.