Dampha , Lamin, Talat Afza Afza, and Muhammad Akram Naseem. “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, no. 4 (December 31, 2025): 372–392. Accessed June 25, 2026. https://irjssh.com/index.php/irjssh/article/view/347.