Muiruri, Z. W., J. Ndegwa, and M. Gweyi. “Moral Hazard Related Determinants of Bad Debts in Deposit Taking Saccos in Nairobi County”. Journal of Finance and Accounting, vol. 5, no. 1, Feb. 2021, pp. 1-15, https://stratfordjournals.org/journals/index.php/journal-of-accounting/article/view/668.