Mbweeda, Antoinette C. M. M., and Chrine Hapompwe. “Governance Effectiveness and Financial Management Systems As Determinants of Localization Readiness Among Health Sector NGOs in Zambia: A Desk Review”. African Journal of Commercial Studies, vol. 7, no. 4, July 2026, pp. 156-63, https://doi.org/10.59413/ajocs/v7.i4.19.