Luvinga, Kepha Charles. “Loans Disbursement and the Underlying Challenges Among Women’s Village Community Banks (VICOBA) in Meru District of Arusha-Tanzania”. Advances in Social Sciences Research Journal 12, no. 04 (April 25, 2025): 270–279. Accessed December 5, 2025. https://journals.scholarpublishing.org/index.php/ASSRJ/article/view/18589.