Mwirigi, Charles, Roselyn Wangari Gakure, and Romanus Odhiambo Otieno. “Risk Management on Access to Credit by Women Owned Small and Medium Enterprises”. Journal of Strategic Management 4, no. 2 (September 12, 2020): 89–98. Accessed January 19, 2025. https://www.stratfordjournal.org/journals/index.php/journal-of-strategic-management/article/view/554.