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gujaf-263	www.gujaf.com.ng	http://www.gujaf.com.ng
gujaf-263	www.gujaf.com.ng	www.gujaf.com.ng
gujaf-263	www.gujaf.com.ng	http://www.gujaf.com.ng
gujaf-263	www.gujaf.com.ng	http://www.gujaf.com.ng
gujaf-263	www.oecd.org	www.oecd.org/sdd/business-stats/39629644
gujaf-263	doi.org	https://doi.org/10.1007/s11365-015-0360-9
gujaf-263	www.oecd.org	http://www.oecd.org/sdd/business-stats/39629644
gujaf-263	doi.org	https://doi.org/10.22059/ier.2021.85010
gujaf-263	doi.org	https://doi.org/10.1080/15140326.2004.12040602
gujaf-263	doi.org	https://doi.org/10.57229/2373-1761.1087
gujaf-263	doi.org	https://doi.org/10.2307/1911963
gujaf-263	doi.org	https://doi.org/10.1111/j.1467-8454.1978.tb00635.x
gujaf-263	www.jstor.org	http://www.jstor.org/stable/2984889
gujaf-263	doi.org	https://doi.org/10.1596/1813-9450-6175
gujaf-263	doi.org	https://doi.org/10.22059/ier.2021.85010
gujaf-263	doi.org	https://doi.org/10.1080/15140326.2004.12040602
gujaf-263	doi.org	https://doi.org/10.57229/2373-1761.1087
gujaf-263	doi.org	https://doi.org/10.2307/1911963
gujaf-263	doi.org	https://doi.org/10.1111/j.1467-8454.1978.tb00635.x
gujaf-263	www.jstor.org	http://www.jstor.org/stable/2984889
gujaf-263	doi.org	https://doi.org/10.1596/1813-9450-6175
gujaf-263	dx.doi.org	http://dx.doi.org/10.4324/9781003134282-10
gujaf-263	doi.org	https://doi.org/10.1080/01621459.1979.10482531
gujaf-263	doi.org	https://doi.org/10.1016/j.labeco.2019.04.008
gujaf-263	dx.doi.org	http://dx.doi.org/10.4324/9781003134282-10
gujaf-263	doi.org	https://doi.org/10.1080/01621459.1979.10482531
gujaf-263	doi.org	https://doi.org/10.1016/j.labeco.2019.04.008
gujaf-263	doi.org	https://doi.org/10.1108/jfep-032020-0042
gujaf-263	doi.org	https://doi.org/10.2307/1913829
gujaf-263	doi.org	https://doi.org/10.1007/s11187-0179914-2
gujaf-263	doi.org	https://doi.org/10.1186/s13731-021-00164-6
gujaf-263	doi.org	https://doi.org/10.1016/j.jbusres.2013.11.020
gujaf-263	www.jetmase.com	https://www.jetmase.com
gujaf-263	doi.org	https://doi.org/10.1108/jfep-03-2020-0042
gujaf-263	doi.org	https://doi.org/10.1108/jfep-03-2020-0042
gujaf-263	doi.org	https://doi.org/10.2307/1913829
gujaf-263	doi.org	https://doi.org/10.1007/s11187-017-9914-2
gujaf-263	doi.org	https://doi.org/10.1007/s11187-017-9914-2
gujaf-263	doi.org	https://doi.org/10.1186/s13731-021-00164-6
gujaf-263	doi.org	https://doi.org/10.1016/j.jbusres.2013.11.020
gujaf-263	www.jetmase.com	https://www.jetmase.com
gujaf-263	doi.org	https://doi.org/10.17153/oguiibf.272723
gujaf-263	doi.org	https://doi.org/10.1016/j.jbusvent.2012.10.004
gujaf-263	doi.org	https://doi.org/10.1596/1813-9450-1678
gujaf-263	www.nber.org	www.nber.org/papers/w1076
gujaf-263	doi.peg	https://doi.peg/10.1093/ever/10.2.323
gujaf-263	dx.doi.org	http://dx.doi.org/10.1016/s0261-5606(99)00021-2
gujaf-263	doi.org	https://doi.org/10.17153/oguiibf.272723
gujaf-263	doi.org	https://doi.org/10.1016/j.jbusvent.2012.10.004
gujaf-263	doi.org	https://doi.org/10.1596/1813-9450-1678
gujaf-263	www.nber.org	http://www.nber.org/papers/w1076
gujaf-263	doi.peg	https://doi.peg/10.1093/ever/10.2.323
gujaf-263	dx.doi.org	http://dx.doi.org/10.1016/s0261-5606(99)00021-2
gujaf-263	doi.org	https://doi.org/10.4324/9781003134282
gujaf-263	doi.org	https://doi.org/10.1108/jefas-09-2021-0189
gujaf-263	doi.org	https://doi.org/10.1016/s0929-1199(03)00056-7
gujaf-263	doi.org	https://doi.org/10.1002/jae.616
gujaf-263	doi.org	https://doi.org/10.4324/9781003134282
gujaf-263	doi.org	https://doi.org/10.1108/jefas-09-2021-0189
gujaf-263	doi.org	https://doi.org/10.1016/s0929-1199(03)00056-7
gujaf-263	doi.org	https://doi.org/10.1002/jae.616
gujaf-263	doi.org	https://doi.org/10.1093/biomet
gujaf-263	www.jstor.org	http://www.jstor.org/stable/2984219
gujaf-263	ssrn.com	https://ssrn.com/abstract=2025521
gujaf-263	dx.doi.org	http://dx.doi.org/10.2139/ssrn.2025521
gujaf-263	unctad.org	https://unctad.org/system/files/officialdocument/wir2022_en.pdf
gujaf-263	www.worldbank.org	https://www.worldbank.org/en/topic/financialinclusion/overview
gujaf-263	doi.org	https://doi.org/10.1093/biomet/%2075.2.335
gujaf-263	doi.org	https://doi.org/10.1093/biomet/%2075.2.335
gujaf-263	www.jstor.org	http://www.jstor.org/stable/2984219
gujaf-263	ssrn.com	https://ssrn.com/abstract=2025521
gujaf-263	dx.doi.org	https://dx.doi.org/10.2139/ssrn.2025521
gujaf-263	unctad.org	https://unctad.org/system/files/official-document/wir2022_en.pdf
gujaf-263	unctad.org	https://unctad.org/system/files/official-document/wir2022_en.pdf
gujaf-263	www.worldbank.org	https://www.worldbank.org/en/topic/financialinclusion/overview