Musa, Shu’aibu, Siraj Abdulkarim Barau, Abdulrazaq Madu Yuguda, and Isma’il Idris Tijjani. “Determinants of Financial Inclusion in Kano State Government-Led Microfinance Banks: A PLS-SEM Approach”. UMYU Journal of Business Administration and Management 2, no. 1 (May 30, 2026): 168–187. Accessed July 5, 2026. https://publications.umyu.edu.ng/jbam/index.php/ujbam/article/view/41.