1. Akerlof, G. (1970). The market for lemons: Qualitative uncertainty and the market mechanism. Quarterly Journal of Economics, 84, 488–500.
2. Akileng, G., Lawino, G. M., & Nzibonera, E. (2018). Evaluation of determinants of financial inclusion in Uganda. Journal of Applied Finance and Banking, 8(4), 47–66.
3. Arun, T., & Kamath, R. (2015). Financial inclusion: Policies and practices. IIMB Management Review, 27(4), 267–287.
4. Bagehot, W. (1873). Lombard street: A description of the money market: By Walter Bagehot. Henry S. King & Company 65 Cornhill & 12 Paternoster Row.
5. Berthoud, R., & Kempson, E. (1992). Credit and debt: The PSI report (No. 728). Policy Studies Institute.