Cheruiyot , Mercy Chemutai, Josephat Cheboi, and Peter Nderitu Githaiga. “Relationship Between Borrowers’ Characteristics and Loan Default Among SMES in Eldoret City; The Moderating Role of Social Capital”. Journal of Business, Economics and Management Research Studies 3, no. 1 (March 27, 2025): 93–110. Accessed June 12, 2026. https://blueprintacademicpublishers.com/index.php/JOBEMRS/article/view/192.