Belau, Kazeem, Olumuyiwa Ganiyu Yinusa, and Kamildeen Tunde Arowona. 2026. “Digital Lending, Credit Risk, and Financial Inclusion in Emerging Economies”. CHEVRA: Indonesian Journal of Economic, Science, and Humanities 1 (1):47-77. https://doi.org/10.46362/chevra.v1i1.139.