Onyango, Audrey Adhiambo. “DETERMINANTS OF PERSONAL FINANCIAL MANAGEMENT DECISIONS: A COMPARISON OF SELF-EMPLOYED GENERATION X AND GENERATION Y IN EMBAKASI EAST CONSTITUENCY OF NAIROBI, KENYA”. African Journal of Emerging Issues 3, no. 3 (June 15, 2021): 83–104. Accessed April 19, 2025. https://ajoeijournals.org/sys/index.php/ajoei/article/view/183.