Ngoma, Grace, Kasonde Mundende, and Chilyata Kabwalwa. “Financial literacy’s Role Among Formally Employed Adults in Solwezi District, Zambia: Income As the Proximate Determinant of Personal Loan Approval”. African Journal of Empirical Research 7, no. 2 (May 5, 2026): 579–589. Accessed May 6, 2026. https://ajernet.net/ojs/index.php/ajernet/article/view/1787.