Kirui, Benard Kipyegon, and Nelson H.W. Wawire. “Measures of Financial Constraints in Kenya”. International Journal of Economics and Financial Issues 8, no. 1 (February 2, 2018): 217–231. Accessed August 8, 2025. https://www.econjournals.net.tr/index.php/ijefi/article/view/5626.