Kapingura, F. M., S. Ikhide, and A. Tsegaye. “Determinants Of Savings In The SADC Region: The Role Of Foreign Capital And Financial Development”. Journal of Applied Business Research (JABR), vol. 31, no. 6, Oct. 2015, pp. 2107-22, doi:10.19030/jabr.v31i6.9470.