Kiptum, Amos Kipruto.2025-07-222025-07-222019-05URI: http://41.89.96.81:8080/xmlui/handle/123456789/1923http://41.89.96.81:4000/handle/123456789/2410enEffect of financial skills on loan repayment: a case of micro and small enterprises in Elgeyo Marakwet County, KenyaArticle