Monica, Chepkirui, Kennedy Waweru, and Wycliffe Oboka. 2021. “Capital Adequacy Requirements and Capital Efficiency of Deposit-Taking SACCOs (DTSS)”. African Journal of Co-Operative Development and Technology 6 (2), 73-80. https://doi.org/https://doi.org/10.58547/1.v6i2.63.