Halim, F. B., B. T. Abidemi, and A. Alshauibi. “Environmental Turbulence, Service Marketing Mix, Marketing Orientation and Microfinance Performance: A Conceptual Model”. Journal of Business and Social Review in Emerging Economies, Vol. 4, no. 1, June 2018, pp. 27-36, doi:10.26710/jbsee.v4i1.360.