“REGULATORY COMPLIANCE, TRANSPARENCY, AND INSTITUTIONAL SUSTAINABILITY OF MICROFINANCE INSTITUTIONS IN ZAMBIA” (2026) Kwame Nkrumah University Multi-Disciplinary Journal - Zambia, 3(1), صص 113–135. قابل دسترس در: https://accessjournal.nkrumah.edu.zm/index.php/knuj/article/view/111 (دسترسی: 4 نوامبر 2026).