Karanja , Margaret Waithira, and Lucy Wamugo. “Credit Risk Management Practices and Profitability of Regulated Digital Credit Providers in Kenya”. Journal of Finance and Accounting 8, no. 8 (September 27, 2024): 101–116. Accessed April 23, 2026. https://stratfordjournalpublishers.org/journals/index.php/journal-of-accounting/article/view/2342.