INFLUENCE OF DEMOGRAPHIC CHARACTERISTICS ON ACCESS TO FINANCIAL SERVICES BY RICE FARMERS IN KENYA’S NATIONAL IRRIGATION SCHEMES. African Journal of Emerging Issues, [S. l.], v. 7, n. 16, p. 100–119, 2025. Disponível em: https://ajoeijournal.org/sys/index.php/ajoei/article/view/915. Acesso em: 31 oct. 2025.