Zauro, Nurudeen Abubakar, et al. “The Moderating Effects of Financial Inclusion on Qardhul Hassan Financing Acceptance in Nigeria: A Proposed Framework”. International Journal of Economics and Financial Issues, vol. 6, no. 7S, Nov. 2016, pp. 143-8, https://econjournals.com.tr/index.php/ijefi/article/view/3597.