Moshi, John, Gervas Machimu, and Lucas Mataba. “Fraud in Tanzanian Co-Operatives: Perceptions from Community and Employee-Based Savings and Credit Co-Operative Societies in Kilimanjaro, Arusha and Tanga, Regions, Tanzania”. Journal of Co-operative and Business Studies (JCBS) 8, no. 1 (August 8, 2024). Accessed September 19, 2024. https://journals.mocu.ac.tz/index.php/jcbs/article/view/347.