Kiaritha, D. H. The Effect of Saving Culture on the Financial Performance of Savings and Credit Co­operatives in the Banking Sector in Kenya. Africa Journal of Technical and Vocational Education and Training, Vol. 6, nᵒ 1, Feb. 2021, p. 110-2, https://www.afritvetjournal.org/index.php/Afritvet/article/view/127.