Milala, S. I., and J. G. Y. Gwarmai. “Microfinance and Poverty Reduction in Nigeria: An Empirical Assessment Using Secondary Data from 2005–2023”. Jurnal Restorasi : Hukum Dan Politik, vol. 3, no. 2, Oct. 2025, pp. 201-10, https://seaninstitute.or.id/bersinar/index.php/restorasi/article/view/220.