EFFECT OF FIRM CHARACTERISTICS ON CREDIT RISK OF TIER III COMMERCIAL BANKS IN KENYA . African Journal of Emerging Issues, [S. l.], v. 7, n. 11, p. 49–64, 2025. Disponível em: https://ajoeijournal.org/sys/index.php/ajoei/article/view/857. Acesso em: 10 sep. 2025.