Msomi, Thabiso Sthembiso, and Melanie Bernice Cloete. “Examination of Influential Factors Shaping Savings Culture Among Selected First-Year UoT Students in South Africa”. Journal of Ecohumanism 4, no. 4 (August 26, 2025): 1534 –. Accessed March 9, 2026. https://www.ecohumanism.co.uk/joe/ecohumanism/article/view/6889.