@book{20690,
	author = {Wabwire, Joseph Masinde and Muhanji, Stella},
	title = {Financial inclusion determinants  and their effect on utilisation of formal financial services by small holder farmers in Kenya /},
	publisher = {Kabarak University,},
	year = {2020.},
	address = {Nakuru, Kenya:},
	note = {Unpublished PHD thesis}
}