TY - BOOK AU - Wabwire, Joseph Masinde AU - Muhanji, Stella AU - Njuguna, Amos TI - Financial inclusion determinants and their effect on utilisation of formal financial services by small holder farmers in Kenya AV - The HF5635 .W33 2020 PY - 2020/// CY - Nakuru, Kenya PB - Kabarak University KW - Financial inclusion N1 - Unpublished PHD thesis ER -