Dampha , L., Afza, T.A. and Naseem , M.A. 2025. BEYOND CREDIT ACCESS: MICROFINANCE, WOMEN’S EMPOWERMENT, AND THE LIMITS OF POVERTY REDUCTION IN RURAL GAMBIA. International Research Journal of Social Sciences and Humanities. 4, 4 (Dec. 2025), 372–392. DOI:https://doi.org/10.66594/irjssh.v4i4.347.