Factors of the transition from the informal sector to the formal sector: Case from tontines to cooperatives in Cameroon. Journal of Academic Finance, [S. l.], v. 12, n. 2, p. 89–102, 2021. DOI: 10.59051/joaf.v12i2.486. Disponível em: https://www.scientific-society.com/AF/article/view/486. Acesso em: 25 dec. 2025.