Hafiz, Usman Ahmed, Fauzilah Salleh, and Murtala Garba. “A Theoretical Basis For Innovation, Institutions And Insurance Penetration Nexus”. Advances in Social Sciences Research Journal 8, no. 3 (March 14, 2021): 61–72. Accessed November 23, 2024. http://116.203.177.230/index.php/ASSRJ/article/view/9796.