Gotifridi, Pelagi, and Joseph Magali. “Factors Affecting Use of Mobile Money Services on Loans Repayment for Saving and Credits Cooperative Societies (SACCOS) in Rombo District, Tanzania”. PAN-AFRICAN JOURNAL OF BUSINESS MANAGEMENT 5, no. 1 (July 1, 2021). Accessed May 30, 2025. https://journals.out.ac.tz/index.php/pajbm/article/view/1003.