Akinlade Yemisi Omolara, Afolabi Nasimot Omowumi, and Moshood Habeebat Moromoke, trans. “A Dynamic Micro Panel Data Model on Individual Expenditure Habit: Hierarchical Bayesian Method”. International Journal of Scientific Research in Science and Technology 12, no. 1 (January 3, 2025): 01–12. Accessed February 28, 2026. https://mail.ijsrst.com/index.php/home/article/view/IJSRST24114324.