Emmanuel Chidozie, Ehilegbu. “FINANCIAL INCLUSION: A CAUSAL DRIVER OF EARNINGS CAPACITY IN WEST AFRICA”. GPH-International Journal of Business Management 5, no. 11 (December 8, 2022): 97-112. Accessed October 7, 2025. https://www.gphjournal.org/index.php/bm/article/view/754.