S. Musa, S. A. Barau, A. Y. Madu, and I. I. Tijjani, “Effect of Microfinance Banks’ Self-Sufficiency and Religiosity on Financial Inclusion: Empirical Evidence from Kano State Government’s Microfinance Banks”, UMYU-JBAM, vol. 2, no. 1, pp. 128–148, May 2026, doi: 10.56919/jbam.2621.008.