Karuti, J. K., P. K. Kamiru, and E. Zablon. “Harnessing Microcredit for Sustainable Poverty Alleviation in the Arid Regions of Kitui County, Kenya”. International Journal of Accounting and Public Sector Management, vol. 2, no. 2, July 2025, pp. 18-26, https://journals.rcmss.com/index.php/ijapsm/article/view/1246.