IOSR-JEF   Volume-16 ~ Issue-3 ~ May – Jun. 2025

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[2] Government Of The Socialist Republic Of Vietnam (2023). Decree No. 48/2023/ND-CP Amending And Supplementing Decree No. 90/2020/ND-CP.
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[1] Afolayan, F. O., & Taiwo, A. A. (2019). Determinants Of Repayment Performance In Nigerian Microfinance: Evidence From Kano State. Journal Of African Financial Studies, 11(2), 78–94.
[2] Agier, I., & Szafarz, A. (2013). Microfinance And Moral Hazard: Evidence From Africa. World Development, 42, 1–15.
[3] Agrawal, A., Amoah, B., & Erumban, A. A. (2019). Financial Literacy Interventions And Repayment Behaviour: Experimental Evidence From Tanzania. Journal Of Development Effectiveness, 11(3), 241–259.
[4] Agyemang, G., & Ansong, A. (2020). Determinants Of Sustainable Finance Adoption In Sub‐Saharan Africa. Journal Of African Finance, 2(1), 45–60.
[5] Anderson, S., François, P., Iversen, V., & Rada, S. (2020). Long‐Term Impacts Of Business Training For Female Entrepreneurs In Tanzania. Journal Of Economic Behavior & Organization, 180, 784–802.

[1] Adetumi, A., Somto, E.E., Ngodoo, J.S.B., And Ajani, O. B. (2024). Creating Inclusive Venture Capital Ecosystems: Policies And Practices To Support Black-Owned Businesses Advantage. International Journal Of Engineering Research & Development, E 20, 534-538
[2] Adewumi, A., Ibeh, C. V., Asuzu, O. F., Adelekan, O. A., Awonnuga, K. F., And Daraojimba, O. D. (2024). Data Analytics In Retail Banking: A Review Of Customer Insights And Financial Services Innovation. Business, Organizations And Society, 2(1), 16-21.
[3] (Abdul-Azeez, O. Y., Nwabekee, U. S., Agu, E. E., & Ignatius, T. (2024). Strategic Approaches To Sustainability In Multinational Corporations: A Comprehensive Review. International Journal Of Frontline Research In Science And Technology, 3(02), 038-054.)
[4] Agu, E.E., Abhulimen, A.O., Obiki-Osafiele, A.N., Osundare, O.S., Adeniran, I.A., And Efunniyi, C.P. (2024). Proposing Strategic Models For Integrating Financial Literacy Into National Public Education Systems. International Journal Of Frontline Research In Multidisciplinary Studies, 2024, 03(02), 010–019.
[5] Akinsulire, A. A., Idemudia, C., Okwandu, A. C., And Iwuanyanwu, O. (2024). Public-Private Partnership Frameworks For Financing Affordable Housing: Lessons And Models. International Journal Of Management And Entrepreneurship Research, 6(7), 2314-2331