Silvano Cherutich, Patrick Kibati, and Symon Kiprop, “EFFECT OF MICROFINANCE SERVICES ON FINANCIAL INCLUSION IN ARID AND SEMI-ARID LANDS IN KENYA: A CASE STUDY OF BARINGO COUNTY, KENYA”, Kabarak j. res. innov., vol. 10, no. 2, pp. 1–12, Dec. 2020.