Ndabananiye Gamariel (2021) “Contribution of Umurenge Saving and Credit Cooperatives (SACCOs) to the Living Standards of Improvement of Members in Rwanda. A Case Study of Mahembe Umurenge Sacco (2017-2019)”, International Journal of Applied Sciences: Current and Future Research Trends, 10(01), pp. 31–35. Available at: https://ijascfrtjournal.isrra.org/Applied_Sciences_Journal/article/view/1144 (Accessed: 9 October 2025).