Muhonja, Pauline, Charles O Wafula, and Agrippina Lubeka. 2026. “Knowledge As a Gateway to Financial Inclusion: Women’s Characteristics and VSLA Participation in Taita Taveta County, Kenya”. Journal of Advanced Education and Sciences 6 (2):85-93. https://doi.org/10.64171/JAES.6.2.85-93.