Mhoja, Nyamizi, and Chamwali Lihoya. “Factors Influencing Civil Servants’ Perceptions of National Health Insurance Schemes: A Case Study of the Tanzania Industrial Research and Development Organization (TIRDO), Tanzania”. African Journal of Empirical Research 5, no. 3 (September 23, 2024): 1257–1267. Accessed July 25, 2026. https://ajernet.net/ojs/index.php/ajernet/article/view/595.