APA (7 वां संस्करण) प्रशस्ति पत्र
Cheruiyot, W. K. (2012). The effectiveness of credit risk management practices utilized by Kenya Commercial Bank in small and medium enterprise credit in Kenya. Daystar University.
शिकागो शैली (17वां संस्करण) प्रशस्ति पत्र
Cheruiyot, Willy Kimutai. The Effectiveness of Credit Risk Management Practices Utilized by Kenya Commercial Bank in Small and Medium Enterprise Credit in Kenya. Nairobi, Kenya: Daystar University, 2012.
एमएलए (9वां संस्करण) प्रशस्ति पत्र
Cheruiyot, Willy Kimutai. The Effectiveness of Credit Risk Management Practices Utilized by Kenya Commercial Bank in Small and Medium Enterprise Credit in Kenya. Daystar University, 2012.
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