IOSR-JEF   Volume-17 ~ Issue-1 ~ Jan. – Feb. 2026

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[1]. Appugol, T., & Naik, B. Financial Inclusion And Economic Development: An Approach Towards Global Perspective. Asian Journal Of Economics, Business And Accounting. 2025 Https://Doi.Org/10.9734/Ajeba/2025/V25i61835.
[2]. Turaya, A., , N., & Murwiati, A. FINANCIAL INCLUSION AS A DRIVER FOR ECONOMIC GROWTH ENHANCEMENT IN ASEAN REGION: A COMPREHENSIVE LITERATURE REVIEW. International Journal Of Accounting, Management, Economics And Social Sciences (IJAMESC). 2025 Https://Doi.Org/10.61990/Ijamesc.V3i4.554.
[3]. Southern African Development Community (SADC). Financial Inclusion And Gender In SADC Sub-Region: Status Report UN_Women_SADC_FI_Statistical_Report.Pdf
[4]. Finscope Zambia. Finscope Zambia 2020 Survey Report. Lusaka, Zambia: Bank Of Zambia; Financial Sector Deepening Zambia; Rural Finance Expansion Programme; German Sparkassenstiftung; Ministry Of Finance; United Nations Capital Development Fund; 2020.
[5]. Endris, E., & Kassegn, A. The Role Of Micro, Small And Medium Enterprises (Msmes) To The Sustainable Development Of Sub-Saharan Africa And Its Challenges: A Systematic Review Of Evidence From Ethiopia. Journal Of Innovation And Entrepreneurship. 2022; 11. Https://Doi.Org/10.1186/S13731-022-00221-8.

[1]. Adetula, D. T., Balogun, O. S., Uwajeh, P., & Owolabi, F. (2016). Internal Control System In The Nigerian Tertiary Institutions.
[2]. Ahmad, H. (2015). Internal Audit (IA) Effectiveness: Resource-Based And Institutional Perspectives. Australian Journal Of Basic And Applied Sciences, 9(9), 95-104.
[3]. Badara, M. A. S., & Saidin, S. Z. (2013). Impact Of The Effective Internal Control System On The Internal Audit Effectiveness At The Local Government Level. Journal Of Social And Development Sciences, 4(1), 16-23.
[4]. Badara, M. A. S., & Saidin, S. Z. (2014). Empirical Evidence Of Antecedents Of Internal Audit Effectiveness From Nigerian Perspective. Middle-East Journal Of Scientific Research, 19(4), 460-469.
[5]. Caruso, G., Gattone, S. A., Fortuna, F., & Di Battista, T. (2021). Cluster Analysis For Mixed Data: An Application To Credit Risk Evaluation. Socio-Economic Planning Sciences, 73, 100850.

[1]. Alva. (2014, January 2). The Street Vendors (Protection Of Livelihood And Regulation Of Street Vending) Bill, 2013: Is The Cure Worse Than The Disease? Statute Law Review, 35(2), 181–202. Https://Doi.Org/10.1093/Slr/Hmt021
[2]. Banik, & Bai. (2018, January 1). Women Empowerment Through Entrepreneurship With Special Reference To Vendors In Agartala. International Journal Of Research In Social Sciences, 8(1), 713–718. Https://Www.Ijmra.Us/Project Doc/2018/IJRSS_JANUARY2018/IJMRA-13183.Pdf
[3]. Borah. (2018, April 1). Socio-Economic Conditions And The Problems Faced By The Street Food Vendors In Sonitpur District Of Assam. International Journal Of Creative Research And Thought, 6(2), 881–888. Https://Www.Ijcrt.Org/Papers/IJCRT1813437.Pdf
[4]. Das. (2020, January 25). GMC Fails To Implement Vending Zones Even After 5 Years Of Vendors’ Act. GMC Fails To Implement Vending Zones Even After 5 Years Of Vendors’ Act. Retrieved January 30, 2023, From Https://Www.Guwahatiplus.Com/Guwahati/Gmc-Fails-To-Implement-Vending-Zones-Even-After-5-Years-Of-Vendors-Act
[5]. Deb. (2022, November 26). GMC Initiative To Check Vending In Illegal Zones | Guwahati News - Times Of India. The Times Of India. Retrieved January 30, 2023, From Https://Timesofindia.Indiatimes.Com/City/Guwahati/Gmc-Initiative-To-Check-Vending-In-Illegal-Zones/Articleshow/95778132.Cms

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[5]. Bank Of Zambia. (2022). Annual Report 2021 And Financial Stability Report. Lusaka: Bank Of Zambia. Bank Of Zambia. (2023). Annual Report 2022 And Financial Stability Report. Lusaka: Bank Of Zambia. Bank Of Zambia. (2024). Financial Stability Report May 2024. Lusaka: Bank Of Zambia