Kihuro, Joseph Macharia, Winnie Nyamute, Duncan Elly Ochieng’, and Michael Ndwiga. “Effect of Bank Ownership on the Relationship Between Credit Risk and Financial Performance of Commercial Banks in Kenya”. Journal of Finance and Accounting 7, no. 1 (March 1, 2023): 91–99. Accessed March 13, 2025. https://stratfordjournals.com/journals/index.php/journal-of-accounting/article/view/1433.