Yusuf, Yahaya, Sirajo Sani Sokoto, and Abdulrasheed Bello. “Determinants of Financial Exclusion in North-Western Nigeria”. The International Journal of Business & Management 10, no. 2 (February 28, 2022). Accessed May 20, 2024. http://internationaljournalcorner.com/index.php/theijbm/article/view/168923.