id	domain	url
gujaf-379	doi.org	https://doi.org/10.57233/gujaf.v6i1.14
gujaf-379	doi.org	https://doi.org/10.xxxx/ajer.2023.12345
gujaf-379	doi.org	https://doi.org/10.3390/jrfm16050267
gujaf-379	doi.org	https://doi.org/10.1080/15228916.2022.2045678
gujaf-379	doi.org	https://doi.org/10.1080/15228916.2022.2046231
gujaf-379	doi.org	https://doi.org/10.1108/imefm-032020-0135
gujaf-379	doi.org	https://doi.org/10.56201/ijefm.v9.no5.2024.pg68.82
gujaf-379	doi.org	https://doi.org/10.1108/jsbed-03-2023-0104
gujaf-379	doi.org	https://doi.org/10.1108/jfbm-07-2021-0064
gujaf-379	www.cbn.gov.ng	https://www.cbn.gov.ng/sme-reports
gujaf-379	doi.org	https://doi.org/10.1016/j.jbef.2023.100785
gujaf-379	doi.org	https://doi.org/10.1016/j.jbusres.2020.11.017
gujaf-379	doi.org	https://doi.org/10.1016/j.jbef.2023.100876
gujaf-379	doi.org	https://doi.org/10.1016/j.jbankfin.2022.106453
gujaf-379	www.fatefoundation.org	https://www.fatefoundation.org/research
gujaf-379	doi.org	https://doi.org/10.1007/s11187-023-00834-7
gujaf-379	doi.org	https://doi.org/10.1108/ajes-02-2023-0032
gujaf-379	doi.org	https://doi.org/10.1108/jadee-08-2020-0176
gujaf-379	doi.org	https://doi.org/10.1108/ajems-05-2021-0221
gujaf-379	doi.org	https://doi.org/10.1108/ijebr-01-2023-0056
gujaf-379	doi.org	https://doi.org/10.1108/ajems-08-2023-0301
gujaf-379	doi.org	https://doi.org/10.1108/ije-12-2022-0241
gujaf-379	doi.org	https://doi.org/10.1108/jsbed-03-2022-0121
gujaf-379	doi.org	https://doi.org/10.1108/ijbm-09-2023-0501
gujaf-379	www.oecd.org	https://www.oecd.org/africa/financial-inclusion
gujaf-379	doi.org	https://doi.org/10.1016/j.worlddev.2022.106126
gujaf-379	doi.org	https://doi.org/10.1080/08985626.2022.2152726
gujaf-379	www.smedan.gov.ng	https://www.smedan.gov.ng/publications
gujaf-379	smedan.gov.ng	https://smedan.gov.ng
gujaf-379	doi.org	https://doi.org/10.1016/j.pacfin.2020.101370
gujaf-379	www.vanguardngr.com	https://www.vanguardngr.com/2021/02/low-level-of-financial-knowledge-threatens-336m-msmes
gujaf-379	doi.org	https://doi.org/10.1108/ijoem-03-2021-0439
gujaf-379	doi.org	https://doi.org/10.1080/15228916.2023.2166782