Mohammed, M. K., B. D. Ahmad, A. H. . Aminu, and A. F. . Umar. “Determinants of Financial Exclusion in Kano State, North West Region of Nigeria”. International Journal of Intellectual Discourse, vol. 2, no. 2, Dec. 2019, https://www.ijidjournal.org/index.php/ijid/article/view/708.