Theophilus , K. A. ., and S.-M. Paul. “The Impact of Savings Groups on Female Agency: Insights from Village Savings and Loans Associations in Northern Ghana”. Asian Journal of Agriculture and Rural Development, vol. 9, no. 2, Aug. 2019, pp. 133-46, doi:10.18488/journal.1005/2019.9.2/1005.2.133.146.