00633nam a22001817a 4500 250306b |||||||| |||| 00| 0 eng d KABU KABU The HF5635 .W33 2020 Wabwire, Joseph Masinde Financial inclusion determinants and their effect on utilisation of formal financial services by small holder farmers in Kenya / Joseph Masinde Wabwire Nakuru, Kenya: Kabarak University, 2020. xvii, 225p. Unpublished PHD thesis Financial inclusion Muhanji, Stella Njuguna, Amos lcc KEYS 20690 20689 0 0 lcc 0 KABU KABU 2025-03-06 2023/033 0 The HF5635 .W33 2020 C.1 34718 2025-03-06 12:49:57 C.1 2025-03-06 THE