Kofarmata, Yusuf Ibrahim, Shri Dewi Applanaidu, and Sallahuddin Hassan. “Determinants of Demand for Credit: A Conceptual Review”. Asian Journal of Economics and Empirical Research 3, no. 1 (June 3, 2016): 6–10. Accessed January 4, 2025. https://mail.asianonlinejournals.com/index.php/AJEER/article/view/205.