Mugambi, Kenneth Majau, and Alex A van der Merwe. “Historical Incidences of Credit Rationing Among Micro and Small Enterprises in Kenya”. International Journal of Economics and Financial Issues 7, no. 4 (July 27, 2017): 229–236. Accessed May 12, 2025. https://econjournals.net.tr/index.php/ijefi/article/view/4810.