I. P. Ubi-Abai, A. U. Akpan, and N. F. Inyang, “Agent-Based Modelling of POS Agents’ Disbursement of Nano-Credits to Nigerian Market Women: A Pathway to Financial Inclusion”, Am. J. Soc. Dev. Entrep., vol. 5, no. 1, pp. 1–6, Jan. 2026, doi: 10.54536/ajsde.v5i1.5979.