@book{17939,
	author = {Mwaniki, Joseph Munene  and Nyanga'u, Catherine Nyaboke},
	title = {Impact of financial inclusion on access to finance for startup and business operations in arid and semi-arid lands of Kenya /},
	publisher = {Kenya Institute for Public Policy Research and Analysis,},
	year = {c2023.},
	address = {Nairobi, Kenya :},
	note = {Include bibliographical references}
}