KASSEH, A. E. .; TARIK, Z. . Organizational and strategic determinants of effective financial inclusion: An empirical study of Moroccan SMEs. International Journal of Innovative Research and Scientific Studies, [S. l.], v. 9, n. 4, p. 172–181, 2026. DOI: 10.53894/ijirss.v9i4.11537. Disponível em: https://www.ijirss.com/index.php/ijirss/article/view/11537. Acesso em: 23 apr. 2026.