James Ogada, and Antony Mutwiri. “MIRERC087/2025: Understanding Financial Behaviors and Designing Interventions for Economic Empowerment (2025–2030)”. MUST Institutional Research Ethics Review Committee (MIRERC) 3 (December 4, 2025). Accessed January 10, 2026. https://mirerc.must.ac.ke/index.php/MIRERC/article/view/77.