Collins Akiy Wung, and Lucius Johannes Botes. “Beyond Consumption Smoothing: Investment-Focused Microfinance and Household Economic Progression in Rural South Africa ”. Enterprise Development and Microfinance 36, no. 3 (October 20, 2026): 251–269. Accessed October 23, 2026. http://papjournals.com/index.php/edm/article/view/1229.