Murage, Nancy Waithira, and Paul Waithaka. “Human Resources and Performance of Deposit-Taking Savings and Credit Cooperative Societies in Kirinyaga County, Kenya”. ESI Preprints (European Scientific Journal, ESJ), vol. 42, June 2025, p. 267, https://esipreprints.org/index.php/esipreprints/article/view/2066.