J. Wanyonyi D, G. Kamau C, S. Sasaka P. Effect of Loanable Funds and Director’s Skills on Financial Performance of Non Deposit Taking SACCOS in Mombasa County. IJSBAR. 2019;48(4):108-124. Accessed September 11, 2025. https://www.gssrr.org/JournalOfBasicAndApplied/article/view/10348