JAMES OGADA; MUTWIRI, A. MIRERC087/2025: Understanding Financial Behaviors and Designing Interventions for Economic Empowerment (2025–2030) . MUST Institutional Research Ethics Review Committee (MIRERC), [S. l.], v. 3, 2025. Disponível em: https://mirerc.must.ac.ke/index.php/MIRERC/article/view/77. Acesso em: 10 jan. 2026.