1.
Socio-economic factors and utilization of formal financial services among smallholder farmers in Kenya. Editon Cons. J. Econ. Dev. Stud. [Internet]. 2021 Jan. 5 [cited 2026 Sep. 22];3(1):177-88. Available from: https://www.system.rowadvocates.co.ke/index.php/ECJEDS/article/view/196