Dolitua, Arjuna, and Harimukti Wandebori. “Economic Efficiency Through Digital Transformation: A Strategic Approach to Multipurpose Loan Products”. International Journal of Economics Development Research (IJEDR) 6, no. 4 (June 11, 2025): 1737–1752. Accessed July 4, 2025. https://yrpipku.com/journal/index.php/ijedr/article/view/8099.