"REGULATORY COMPLIANCE, TRANSPARENCY, AND INSTITUTIONAL SUSTAINABILITY OF MICROFINANCE INSTITUTIONS IN ZAMBIA", KNUMJ, م 3, عدد 1, ص 113–135, مايو 2026, تاريخ الوصول: نوفمبر 03, 2026. موجود في: https://accessjournal.nkrumah.edu.zm/index.php/knuj/article/view/111