Allan, Samuel Kuria, Patrick K. Ngugi, and Joyce Nzulwa. “Influence of Service Quality Improvement Strategies on Performance of Deposit Taking Savings and Credit Co-Operatives in Kenya”. International Journal of Science, Technology, Education and Management Research 4, no. III (July 31, 2019): 22–38. Accessed May 4, 2026. https://www.demo.focusjournals.org/index.php/IJSTER/article/view/48.