“EFFECTS OF UNSECURED PERSONAL LOANS ON HOUSEHOLD FINANCIAL HEALTH OF PRIMARY SCHOOL TEACHERS IN EMINING DIVISION, BARINGO COUNTY, KENYA”. INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 12, no. 1 (September 20, 2017): 3153–3158. Accessed June 16, 2026. https://rajpub.com/index.php/ijmit/article/view/6311.