Cheboi, Livingstone Talel, Irene Asienga, and Robert Otuya. “Financial Structure and Financial Sustainability of Microfinance Institutions in Kenya”. Journal of Management Science (JMAS) 7, no. 2 (March 19, 2024): 301–308. Accessed April 18, 2026. https://exsys.iocspublisher.org/index.php/JMAS/article/view/469.