Barus, J. J., P. W. Muturi, D. P. Kibati, and D. J. Koima. “EFFECT OF MANAGEMENT EFFICIENCY ON FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT SOCIETIES IN KENYA”. Journal of Strategic Management, vol. 2, no. 1, Aug. 2017, pp. 92 - 104, doi:10.47672/jsm.287.