Okoroigwe, E. S. ., K. K. . Akintunde, and O. M. . Jonathan. “EFFECT OF DEBT UTILIZATION ON FINANCIAL PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA”. Kashere Journal of Accounting and Finance, vol. 5, no. 1, May 2025, pp. 90-99, https://www.kajaf.com.ng/index.php/kajaf/article/view/57.