“REGULATORY COMPLIANCE, TRANSPARENCY, AND INSTITUTIONAL SUSTAINABILITY OF MICROFINANCE INSTITUTIONS IN ZAMBIA”. Kwame Nkrumah University Multi-Disciplinary Journal - Zambia, vol. 3, no. 1, मई, 2026, पृ. 113-35, https://accessjournal.nkrumah.edu.zm/index.php/knuj/article/view/111.