Cheboss, Eliud Mutai, Isaac Naibei, and Peter K. Cheruiyot. 2017. “Effect of Credit Risks Management Techniques on Loan Performance: A Survey of Selected Sacco’s in Kericho County, Kenya”. The International Journal of Business & Management 5 (10). https://internationaljournalcorner.com/index.php/theijbm/article/view/125436.