M. K. Mutale, N. Kachamba, N. Musawa, and D. Chisanga, “Institutional Drivers and Governance Mechanisms of Debt Accumulation in Local Authorities: A Critical Review of the Literature with Reference to Zambia”, AJOCS, vol. 7, no. 5, pp. 10–15, Aug. 2026, doi: 10.59413/ajocs/v7.i5.2.