MALAMBO, Lweendo; CHISUMBE, Sampa. The Impact of Personal Loans on the Livelihoods of Civil Servants in Munali Constituency. International Journal of Engineering and Management Research, [S. l.], v. 16, n. 2, p. 56–68, 2026. DOI: 10.31033/IJEMR/16.2.2026.1880. Disponível em: https://ijemr.vandanapublications.com/index.php/j/article/view/1880. Acesso em: 8 may. 2026.