Determinants of Microfinance adoption, challenges encountered, and principal solutions: An empirical analysis using theory of planned behaviour. Journal of Innovation in Academia , [S. l.], v. 2, n. 2, p. 113–128, 2025. DOI: 10.32674/. Disponível em: https://www.ojed.org/jina/article/view/8217. Acesso em: 7 mar. 2026.