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

[1]. Agarwal, S., & Hauswald, R. (2010). The Impact Of Finance Education Programs On Financial Literacy And Decision-Making Among Bank Employees. Journal Of Financial Economics, 96(2), 470-487.
[2]. Atkinson, A., & Messy, F. (2013). Measuring Financial Literacy: Results Of The OECD / International Network On Financial Education (INFE) Pilot Study. Journal Of Pension Economics & Finance, 12(2), 152-169.
[3]. Banda, J. (2021). The Impact Of Financial Education On Decision-Making Abilities Of Professionals. Journal Of Financial Education, 47(2), 112-129.
[4]. Becchetti, L., & Pisani, F. (2012). Financial Education, Productivity, And Satisfaction In Multinational Corporations. Journal Of Economic Behavior & Organization, 89, 39-50.
[5]. Becker, G. S. (1964). Human Capital: A Theoretical And Empirical Analysis, With Special Reference To Education. Chicago, IL: University Of Chicago Press..

[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.