Waita, G., M. J. G. R. “Assessing the Effect of Credit Risk Identification on Loan Performance in Credit-Only Microfinance Institutions in Central Kenya”. AFRICAN JOURNAL OF BUSINESS, ECONOMICS AND INDUSTRY (AJOBEI), Vol. 7, no. 1, July 2026, pp. 13-20, http://journal.kyu.ac.ke/index.php/library/article/view/175.