ANALYZING ACCESS TO HOUSING FINANCE AND ITS IMPLICATIONS FOR LOW-INCOME EARNERS IN SIAYA, BONDO, AND UGUNJA TOWNS, SIAYA COUNTY, KENYA. AJOEI. 2025;7(15):87-101. Accessed February 12, 2026. https://ajoeijournal.org/sys/index.php/ajoei/article/view/891