Talel, Livingstone, Stella Korir, and Robert Otuya. “FINANCIAL LEVERAGE, INCOME DIVERSIFICATION AND FINANCIAL SUSTAINABILITY OF MFIS IN KENYA”. African Journal of Emerging Issues 6, no. 19 (November 7, 2024): 59–72. Accessed June 21, 2025. https://www.ajoeijournals.org/sys/index.php/ajoei/article/view/712.