Torila, G., O. Bilewu, and O. Olowofela. “Dynamics of Financial Inclusion and Economic Growth in Nigeria: Insights from Liquidity, Credit Allocation and Lending Rate”. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, Vol. 14, no. 3, July 2026, pp. 3179-90, doi:10.37676/ekombis.v14i3.10793.