Kiaritha, Hannah, Herman Munyare, and Newton Njenga. “Does Competition from Commercial Banks Affect the Financial Performance of Savings and Credit Co-Operatives in the Banking Sector in Kenya?”. Africa Journal of Technical and Vocational Education and Training 4, no. 1 (October 25, 2019): 118-127. Accessed October 24, 2020. http://afritvet.org/index.php/Afritvet/article/view/87.