Egrinya, O. E. ., U. E. . Etukudo, I. P. . Montok, O. J. . Milton, J. J. . Ufot, and R. O. . David. “ompetitive trategy and erformance of icrofinance anks in ross iver tate, igeria”. aw and conomy, vol. 4, no. 6, July 2025, pp. 1-13, doi:10.63593/LE.2788-7049.2025.07.001.