Farouk, Yakubu Umar, and Imoro Fatawu. 2026. “Formal Savings, Informal Networks, and Hajj Affordability: Evaluating the GCB Hajj Account and Savings Behaviour in Northern Ghana”. International Journal of Science and Engineering Science Research 2 (2): 25-35. https://doi.org/10.63671/ijsesr.v2i2.116.