Ume Ruqia Saadat, Muhammad Imran Qureshi, Abdul Manan Tauqeer, Aman Ullah Khattak, and Munawar Fatima. “Exploring the Impact of Microfinance on Socio-Economic Characteristics of Borrowers in Khyber Pakhtunkhwa, Pakistan”. Open Access Organization and Management Review, vol. 1, no. 1, Mar. 2023, pp. 25-32, doi:10.59644/oagmr.1(1).11.