Socio-economic factors and utilization of formal financial services among smallholder farmers in Kenya. Editon Consortium Journal of Economics and Development Studies, [S. l.], v. 3, n. 1, p. 177–188, 2021. DOI: 10.51317/ecjeds.v3i1.196. Disponível em: https://www.system.rowadvocates.co.ke/index.php/ECJEDS/article/view/196. Acesso em: 22 sep. 2026.