• EFFECT OF BUDGETING PRACTICE ON SMES ACCESS TO FINANCIAL CREDIT IN KISUMU CITY CBD 

      Awino, Elkana Owilli; Korir, Stella; Omare, Mongare (The Strategic Journal of Business & Change Management. ISSN, 2024-10)
      Credit availability is a significant component in the development of SMEs in Kenya. However, most SMEs in Kenya lack the expertise to manage their business activities due to a lack of trained staff and entrepreneurial ...