Kiaritha, D. H. (2021) “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, 6(1), pp. 110-120. Available at: https://afritvet.org/index.php/Afritvet/article/view/127 (Accessed: 14May2021).