MWACHA , M. J. . Borrower Characteristics and the Level of Non-Performing Loans among Saving and Credit Cooperative Societies in Tanzania: Moderating Effects of the Educational Level of Loan Committee Members. PAN-AFRICAN JOURNAL OF BUSINESS MANAGEMENT, [S. l.], v. 9, n. 2, p. 171–206, 2025. DOI: 10.61538/pajbm.v9i2.1898. Disponível em: https://journals.out.ac.tz/index.php/pajbm/article/view/1898. Acesso em: 19 dec. 2025.