Rahab Kariuki, Raya Shatry, Jackline Chemtai, and Antony Mutwiri. 2025. “MIRERC 051/2025: PRODUCT DESIGN: LEVERAGING TRUST IN VILLAGE SAVINGS AND LENDING GROUPS TO ESTABLISH A MEMBER-OWNED INSURANCE MUTUAL”. MUST Institutional Research Ethics Review Committee System - MIRERC 3 (July). https://mirerc.must.ac.ke/index.php/MIRERC/article/view/40.