“Socio-Economic Factors and Utilization of Formal Financial Services Among Smallholder Farmers in Kenya”. Editon Consortium Journal of Economics and Development Studies 3, no. 1 (January 5, 2021): 177–188. Accessed September 22, 2026. https://www.system.rowadvocates.co.ke/index.php/ECJEDS/article/view/196.