Ousman, R.A. 2026. Financial institutions and the formalisation of informal trade in African secondary cities: а conceptual diagnostic of Fianarantsoa, Madagascar. Management and Entrepreneurship: Trends of Development. 3, 37 (Oct. 2026), 43–61. DOI:https://doi.org/10.26661/2522-1566/2026-3/37-03.