Willie, Michael Mncedisi. “EXPLORING THE EXPENDITURE ON MARKETING IN SOUTH AFRICAN MEDICAL SCHEMES”. International Journal of Research -GRANTHAALAYAH 11, no. 6 (June 30, 2023): 23–30. Accessed September 20, 2025. https://granthaalayahpublication.org/journals/granthaalayah/article/view/5195.