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OMOJOLAIBI, J.A., OKUDO, A.G. and SHOJOBI, D.A. 2019. Are women financially excluded from formal financial services? Analysis of some selected local government areas in Lagos State, Nigeria. Journal of Economic and Social Thought. 6, 1 (Feb. 2019), 16–47. DOI:https://doi.org/10.1453/jest.v6i1.1846.