ANALYZING ACCESS TO HOUSING FINANCE AND ITS IMPLICATIONS FOR LOW-INCOME EARNERS IN SIAYA, BONDO, AND UGUNJA TOWNS, SIAYA COUNTY, KENYA. African Journal of Emerging Issues, [S. l.], v. 7, n. 15, p. 87–101, 2025. Disponível em: https://ajoeijournal.org/sys/index.php/ajoei/article/view/891. Acesso em: 10 sep. 2025.