Njuguna, Edward Mukundi, and Newton Nyairo. “Formal Conditions That Affect Agricultural Credit Supply to Small-Scale Farmers in Rural Kenya: Case Study for Kiambu County”. International Journal of Sciences: Basic and Applied Research (IJSBAR), vol. 20, no. 2, Feb. 2015, pp. 59-66, https://gssrr.org/JournalOfBasicAndApplied/article/view/3471.