IOSR-JEF   Volume-16 ~ Issue-4 ~ Jul. – Aug. 2025

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[2]. Dayasagar, B. (2019). Impact of credit risk management practices on the financial performance of Mahila cooperative banks in Kalaburagi district. Journal of Management Research and Analysis, 6(2), 86–93.
[3]. Fatihudin, D., & Mochklas, M. (2018). How measuring financial performance. International Journal of Civil Engineering and Technology (IJCIET), 9(6), 553–557.
[4]. FinAccess. (2021). FinAccess Household Survey Report 2021. Central Bank of Kenya.
[5]. Gitau, E. (2021). Credit risk management and performance of dairy cooperatives in Kenya. African Journal of Co-operative Development, 6(2), 78–90

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[3]. Beck, T., Demirgüç-Kunt, A., & Levine, R. (2007). Finance, inequality and the poor. Journal of Economic Growth, 12(1), 27–49.
[4]. Bongomin, G. O. C., Munene, J. C., Ntayi, J. M., & Malinga, C. A. (2018). Nexus between financial literacy and financial inclusion: Examining the moderating role of social networks in rural Uganda. International Journal of Bank Marketing, 36(7), 1274–1300.
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[2]. Amponsah , & Asiamah, M. (2021). Working capital management and profitability of listed manufacturing firms in Ghana. International journal of productivity and performance management, 1751-1771.
[3]. Bita, C., & Muthoni, A. (2022). The role of internal governance in financial management: Evidence from public universities in Kenya. International Journal of Financial Management, 123-134.
[4]. Boisjoly, R. P., Conine , & McDonald. (2020). Working capital management: Financial and valuation impacts. Journal of Business Research, 1-8.
[5]. Collins, & Hussey. (2014). Business Research and Research Philosophy. Basingstoke: Palgrave Macmillan

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