ARUSEI , S. J.; CHEBOI, J.; BONUKE , R. Relationship between Financial Sophistication and Perceived Retirement Saving Adequacy among Public University Employees in Kenya: The Moderating Effects of Institutional Factors. Journal of Business, Economics and Management Research Studies, [S. l.], v. 1, n. 1, p. 54–70, 2023. DOI: 10.69897/jobemrs.v1i1.69. Disponível em: https://blueprintacademicpublishers.com/index.php/JOBEMRS/article/view/69. Acesso em: 15 apr. 2026.