Publications

Selected publications.

Full list of published, under-review, submitted, and in-preparation work. Filter by status; open a publication for the full record.

Submitted · Afreximbank–Edordu Research Competition 2026 (submitted) · 2026
From Ajo to AfCFTA: An Alternative Credit Signal for Africa's Informal Economy
A. A. Olagunju
A three-signal alternative credit framework for apprentice-trained youth in Africa's informal economy — combining digitised ajo/esusu contributions, apprenticeship verification, and transaction history to widen access to formal credit.
digital financial inclusioninformal economycredit scoringAfCFTAajoesusu