Goshu, B. S., & Muhammad Ridwan. (2026). Leapfrogging into Digital Credit: The Trade-off between Financial Inclusion and Portfolio Risk in Sub-Saharan Africa: A Comparative Analysis of Kenya and Ethiopia. Economit Journal: Scientific Journal of Accountancy, Management and Finance, 6(2), 128-150. Retrieved from https://biarjournal.com/index.php/economit/article/view/1563