Madaki, M. M. . “Evaluation of Universal Health Coverage Under the Kaduna State Contributory Health Management Agency (Kadchma) In Kaduna State, Nigeria”. Journal of Institute of Africa Higher Education Research and Innovation (IAHERI), vol. 2, no. 1, Mar. 2026, pp. 51-58, doi:10.59479/jiaheri.v2i1.136.