MOBILE MONEY USAGE AND SME ACCESS TO CREDIT IN NIGERIA. Malete Journal of Accounting and Finance, [S. l.], v. 7, n. 1, p. 1–21, 2026. DOI: 10.63725/majaf.v7.i1.01. Disponível em: https://majaf.com.ng/index.php/majaf/article/view/383. Acesso em: 23 aug. 2026.