HAFIZ, Usman Ahmed; SALLEH, Fauzilah; GARBA, Murtala. A Theoretical Basis For Innovation, Institutions And Insurance Penetration Nexus. Advances in Social Sciences Research Journal, [S. l.], v. 8, n. 3, p. 61–72, 2021. DOI: 10.14738/assrj.84.9796. Disponível em: https://scholarpublishing.org/journals/index.php/ASSRJ/article/view/4587. Acesso em: 28 may. 2026.