AZAM , M.; AHMAD , H.; SADEEQUE , J.; HAROON , U. Factors Affecting on Expansion of the Microfinance Industry in Pakistan. Journal of Excellence in Management Sciences, [S. l.], v. 3, n. 1, p. 205–217, 2024. DOI: 10.69565/jems.v3i1.316. Disponível em: https://journals.smarcons.com/index.php/jems/article/view/316. Acesso em: 21 aug. 2026.