Niyimbanira, F., R. Nishimwe-Niyimbanira, S. S. Kuyeli, and K. Rangaza. “The Determinants of Interest Rate Spreads in South Africa: A Cointegration Approach”. Journal of Economics and Behavioral Studies, Vol. 7, no. 2(J), Apr. 2015, pp. pp. 101-108, doi:10.22610/jebs.v7i2(J).567.